| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUR M CONSULTING INC.3 Filed as: FOUR M CONSULTING INC | 12925 PERRY HIGHWAY WEXFORD, PA 15090 | HIGHMARK | $34K | — | $34K | 1.76% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $78K | — | $78K | 4.21% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $25K | — | $25K | 3.91% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $19K | $35K | 21.21% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $18K | $23K | 14.89% |
| FOUR M CONSULTING INC.3 Filed as: FOUR M CONSULTING INC | 12925 PERRY HIGHWAY WEXFORD, PA 15090 | AETNA LIFE INSURANCE CO | $6K | — | $6K | 4.20% |
| FOUR M CONSULTING INC.3 Filed as: FOUR M CONSULTING INC | 12925 PERRY HIGHWAY WEXFORD, PA 15090 | UNITED CONCORDIA INSURANCE COMPANY | $10K | — | $10K | 9.29% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $9K | $14K | 16.97% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $4K | — | $4K | 22.69% |
| FOUR M CONSULTING INC.3 Filed as: FOUR M CONSULTING INC | 12925 PERRY HIGHWAY WEXFORD, PA 15090 | HIGHMARK | $0 | — | $0 | 0.00% |
| GLOBAL UNDERWRITERS AGCY INC3 | 3195 LINWOOD RD #201 CINCINNATI, OH 45208 | CHUBB-FEDERAL INSURANCE COMPANY | $0 | — | $0 | — |
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 | 347 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 344 | $255K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 344 | $34K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 347 | $158K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 347 | $323K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 347 | $84K |
| Prescription drug(2 contracts, 2 carriers) | HIGHMARK | 327 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.