| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | AGENCY LLC-400 BERWYN PARK, STE 200 899 CASSATT RD STE 200 BERWYN, PA 193121190 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $723 | $4K | 5.13% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 194222239 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.61% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | ATTN COMMISSIONS DEPARTMENT 1787 SENTRY PKWY W BLUE BELL, PA 194222239 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $807 | $807 | 1.08% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | ATTN COMMISSIONS DEPARTMENT 1787 SENTRY PKWY W BLUE BELL, PA 194222239 | METROPOLITAN LIFE INSURANCE COMPANY | $593 | — | $593 | 0.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMERSON ROGERS, LLC NONE | Insurance agents and brokers; Consulting fees Service code 22 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | $60K |
| IMAGINE360 ADMINISTRATORS NONE | Claims processing; Contract Administrator Service code 12 | 1550 LIBERTY RIDGE DRIVE WAYNE, PA 19087 | $59K |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SKYWARD INSURANCE | 137 | $237K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 192 | $75K |
| Stop-loss / reinsurancereinsurance | SKYWARD INSURANCE | 137 | $211K |
| Other | SWISS RE CORPORATE SOLUTIONS | 112 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
No prospect flags tripped on this filing.