| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | KEYSTONE | $31K | $5K | $36K | 7.05% |
| EVANS PANCOAST3 | 237 W. LANCASTER AVENUE, STE 251 DEVON, PA 19333 | UNITED HEALTHCARE INSURANCE COMPANY | $23K | $106 | $23K | 5.34% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | PERSONAL CHOICE | $27K | $3K | $30K | 7.69% |
| EVANS PANCOAST3 | 237 W. LANCASTER AVENUE, STE 251 DEVON, PA 19333 | GUARDIAN | $10K | — | $10K | 9.01% |
| AMERIHEALTH ADMINISTRATORS INC3 Filed as: AMERIHEALTH ADMINISTRATORS, INC. | P.O. BOX 21545 EAGAN, MN 55121 | GUARDIAN | $1K | — | $1K | 0.88% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | AMERIHEALTH INSURANCE COMPANY | $3K | $128 | $3K | 10.87% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 71 | $823K |
| Dental | GUARDIAN | 182 | $116K |
| Vision(2 contracts, 2 carriers) | PERSONAL CHOICE | 182 | $507K |
| Life insurance | GUARDIAN | 182 | $116K |
| Short-term disability | GUARDIAN | 182 | $116K |
| Prescription drug | PERSONAL CHOICE | 33 | $391K |
| Other | GUARDIAN | 182 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.