| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 630 WEST GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | KEYSTONE | $15K | $2K | $17K | 5.71% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | UNKNOWN QUAKERTOWN, PA 18951 | INDEPENDENCE BLUE CROSS | $3K | $0 | $3K | 3.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | UNKNOWN QUAKERTOWN, PA 18951 | INDEPENDENCE BLUE CROSS | $2K | $0 | $2K | 2.80% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | UNKNOWN QUAKERTOWN, PA 18951 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $3K | $0 | $3K | 3.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | UNKNOWN QUAKERTOWN, PA 18951 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $2K | $0 | $2K | 2.80% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS, COUNSELMAN AND MICHAELS | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 6.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203066 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 3.16% |
| KREMPA ASSOCIATES INC Filed as: KREMPA ASSOCIATIES INC. | 5039 SWAMP ROAD FOURTAINVILLE, PA 18923 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 10.84% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE | 302 | $382K |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 302 | $81K |
| Vision | INDEPENDENCE BLUE CROSS | 302 | $81K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 184 | $25K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $67K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $67K |
| Prescription drug(2 contracts, 2 carriers) | KEYSTONE | 302 | $382K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 184 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.