| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN RADNOR, PA 19087 | KEYSTONE | $32K | $0 | $32K | 7.35% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 630 WEST GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | KEYSTONE | $2K | $2K | $4K | 1.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN RADNOR, PA 19087 | INDEPENDENCE BLUE CROSS | $22K | $0 | $22K | 6.21% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 630 WEST GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS | $2K | $2K | $4K | 1.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | BENECARD | $5K | $0 | $5K | 3.62% |
| MY BENEFIT ADVISOR LLC3 | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | BENECARD | $2K | $0 | $2K | 1.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN RADNOR, PA 19087 | AMERIHEALTH INSURANCE COMPANY | $7K | $0 | $7K | 8.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN BROOMALL, PA 19008 | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 3.46% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | UNKNOWN BROOMALL, PA 19008 | DELTA DENTAL OF PENNSYLVANIA | $850 | $0 | $850 | 1.08% |
| NORTH AMERICAN BENEFITS COMPANY3 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $502 | $502 | 13.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 FELLOWSHIP ROAD, SUITE 210 MOUNT LAUREL, NJ 08054 | MADISON NATIONAL LIFE INSURANCE COMPANY | $334 | $0 | $334 | 8.98% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | MADISON NATIONAL LIFE INSURANCE COMPANY | $113 | $0 | $113 | 3.04% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KEYSTONE | 100 | $888K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 183 | $79K |
| Vision | INDEPENDENCE BLUE CROSS | 75 | $361K |
| Life insurance | MADISON NATIONAL LIFE INSURANCE COMPANY | 192 | $4K |
| Prescription drug(4 contracts, 4 carriers) | KEYSTONE | 119 | $1.0M |
| Other | MADISON NATIONAL LIFE INSURANCE COMPANY | 192 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.