| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | UNKNOWN 8 W MARKET STREET, SUITE 1200 WILKES-BARRE, PA 18701 | HIGHMARK | $42K | $0 | $42K | 4.00% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 8.17% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 10.55% |
| GCG FINANCIAL LLC3 Filed as: SIMKISS AND BLOCK ALERA GROUP | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 4.33% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY INC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 16.26% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $851 | $0 | $851 | 5.60% |
| GCG FINANCIAL LLC3 Filed as: SIMKISS AND BLOCK ALERA GROUP | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $528 | $0 | $528 | 3.48% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $319 | $0 | $319 | 2.33% |
| USI INSURANCE SERVICES LLC3 | 1007 NORTH ORANGE STREET WILMINTON, DE 19709 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 46.65% |
| KULIKAUSKAS JANE3 | 3022 NESCO ROAD HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 18.66% |
| WIESMORE GREGORY3 Filed as: WIESMORE GREG | 46 FAWN HOLLOW LANE MULLICA HILL, NJ 08062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 18.66% |
| PETERSON DOUGLAS C3 Filed as: PETERSON DOUGLAS C. | 598 RIVERWOOD AVENUE POINT PLEASANT, NJ 08742 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.79% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 97 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 86 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 75 | $63K |
| Vision | VISION SERVICE PLAN | 68 | $14K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 97 | $55K |
| Short-term disability | STANDARD INSURANCE COMPANY | 97 | $46K |
| Long-term disability | STANDARD INSURANCE COMPANY | 97 | $46K |
| Prescription drug | HIGHMARK | 86 | $1.1M |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 97 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 97 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.