| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVANS PANCOAST3 | 237 W. LANCASTER AVENUE, STE 251 DEVON, PA 19333 | UNITED HEALTHCARE INSURANCE COMPANY | $27K | $179 | $27K | 5.13% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 1787 SENTRY PARKWAY W VEVA 16, SUITE 320 BLUE BELL, PA 19422 | KEYSTONE | $30K | — | $30K | 5.99% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 1787 SENTRY PARKWAY W VEVA16, SUITE 320 BLUE BELL, PA 19422 | PERSONAL CHOICE | $26K | — | $26K | 6.06% |
| EVANS PANCOAST3 | 432 HEATHERWOOD LANE DEVAN, PA 19333 | GUARDIAN | $11K | — | $11K | 9.02% |
| 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 | 1787 SENTRY PARKWAY W VEVA 16, SUITE 320 BLUE BELL, PA 19422 | AMERIHEALTH INSURANCE COMPANY | $3K | — | $3K | 17.33% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 87 | $949K |
| Dental | GUARDIAN | 209 | $118K |
| Vision(2 contracts, 2 carriers) | PERSONAL CHOICE | 209 | $546K |
| Life insurance | GUARDIAN | 209 | $118K |
| Short-term disability | GUARDIAN | 209 | $118K |
| Prescription drug | PERSONAL CHOICE | 34 | $428K |
| Other | GUARDIAN | 209 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.