| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST BUILDING 16, SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $281 | $5K | 5.71% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GNRL AGNCY | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $311 | $311 | 0.33% |
| LACHER AND ASSOCIATES INSURANCE3 Filed as: LACHER & ASSOCIATES INS. AGENCY | PO BOX 64398 SOUDERTON, PA 18964 | METROPOLITAN LIFE INSURANCE COMPANY | $148 | $15 | $163 | 0.17% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $451 | $3K | 4.65% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 3.55% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $318 | $1K | 2.03% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN ROAD CHESAPEAKE CITY, MD 21915 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $96 | $0 | $96 | 0.13% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $83 | $0 | $83 | 0.11% |
| DARLENE BLAASCH3 | 1758 RED CEDAR LANE ROCKHILL, SC 29732 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.03% |
| JAMES H CROUTHAMEL3 Filed as: JAMES H. CROUTHAMEL | 1308 CUSHMORE ROAD SOUTHAMPTON, PA 18966 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $76 | $0 | $76 | 0.64% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 369 | $94K |
| Vision | VISION SERVICE PLAN | 123 | $12K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 67 | $74K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 67 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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.