| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUR M CONSULTING INC3 | 12925 PERRY HIGHWAY WEXFORD, PA 15090 | HIGHMARK (MED AND DRUG) | $49K | — | $49K | 1.93% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS (PPO & DRUG) | $75K | — | $75K | 3.92% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS (KEYSTONE) | $30K | — | $30K | 4.09% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY (STDI) | $18K | $22K | $40K | 21.91% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY (LIFE/AD&D) | $6K | $21K | $27K | 15.38% |
| FOUR M CONSULTING INC3 | 12925 PERRY HIGHWAY WEXFORD, PA 15090 | AETNA LIFE INSURANCE CO (DENTAL) | $361 | $6K | $6K | 4.29% |
| FOUR M CONSULTING INC3 | 12925 PERRY HIGHWAY WEXFORD, PA 15090 | UNITED CONCORDIA INSURANCE COMPANY (DENTAL) | $14K | — | $14K | 10.59% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY (LTDI) | $5K | $11K | $16K | 17.39% |
| FOUR M CONSULTING INC3 | 12925 PERRY HIGHWAY WEXFORD, PA 15090 | HIGHMARK (VISION) | — | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS (VISION) | $4K | — | $4K | 21.64% |
| GLOBAL UNDERWRITERS AGCY INC3 | 3195 LINWOOD RD #201 CINCINNATI, OH 45208 | CHUBB-FEDERAL INSURANCE COMPANY (AD&D) | $2K | — | $2K | 34.99% |
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 | 349 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO (DENTAL) | 412 | $275K |
| Vision(2 contracts, 2 carriers) | HIGHMARK (VISION) | 400 | $39K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY (LIFE/AD&D) | 349 | $179K |
| Short-term disability(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY (STDI) | 349 | $360K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY (LTDI) | 349 | $92K |
| Prescription drug(2 contracts, 2 carriers) | HIGHMARK (MED AND DRUG) | 413 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.