| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $10K | $20K | 8.30% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | HEARTLAND | $414 | $0 | $414 | 2.50% |
| LACHER AND ASSOC. INS. AGENCY, INC.3 | 632 EAST BROAD STREET SOUDERTON, PA 18964 | HEARTLAND | $414 | $0 | $414 | 2.50% |
| DAVID SPANGLER JR.4 Filed as: DAVID SPANGLER JR | 31 MARIE DRIVE QUARRYVILLE, PA 17566 | PRE-PAID LEGAL SERVICES INC, DBA LEGALSHIEL | $1K | $0 | $1K | 11.24% |
| KIMBERLY A. WOODS4 | PO BOX 416 WOODLAND PARK, CO 80866 | PRE-PAID LEGAL SERVICES INC, DBA LEGALSHIEL | $1K | $0 | $1K | 8.66% |
| MURRAY INSURANCE ASSOCIATES4 Filed as: MURRAY INSURANCE ASSOC. INC | 772 LITTLE PIKE LITTLE, PA 17543 | PRE-PAID LEGAL SERVICES INC, DBA LEGALSHIEL | $160 | $0 | $160 | 1.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS EIN 92-1361338 ADMIN | Claims processing Service code 12 | — | $201K |
| LUMINARE HEALTH BENEFITS, INC. EIN 35-1846036 ADMIN | Claims processing Service code 12 | — | $47K |
| MCKONLY & ASBURY EIN 23-1909723 AUDITOR | Accounting (including auditing) Service code 10 | — | $10K |
| EBENEFIT MARKETPLACE, LLC EIN 46-3306306 EMP BEN TECH SOLUTIONS | Other services Service code 49 | — | $10K |
| RENALOGIC, INC. EIN 22-3857341 COMP SUPPORT | Other services Service code 49 | — | $8K |
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 | 289 | 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) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 184 | $161K |
| Vision | HEARTLAND | 356 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 289 | $242K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 289 | $242K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 289 | $242K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 0 | $120K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 982 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 982 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.