| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 17182 | UNITEDHEALTHCARE INSURANCE COMPANY | $69K | — | $69K | 4.11% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | VEVA 16 SUITE 320 BLUE BELL, PA 17183 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 1.31% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 254 | $1.7M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 130 | $41K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 130 | $41K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 130 | $41K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 130 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.