| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | GENERAL AGENCY LLC 400 BERWYN PARK STE 200 BERWYN, PA 193121190 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $6K | 6.69% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PKWY W STE 320 BLDG 16 BLUE BELL, PA 194222240 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $324 | $4K | 5.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMERSON REID & CO INC NONE | Insurance agents and brokers; Consulting fees Service code 22 | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | $86K |
| IMAGINE360 ADMINISTRATORS NONE | Claims processing; Contract Administrator Service code 12 | 1550 LIBERTY RIDGE DRIVE WAYNE, PA 19087 | $64K |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SKYWARD | 113 | $255K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 191 | $83K |
| Stop-loss / reinsurancereinsurance | SKYWARD | 113 | $231K |
| Other | WESTPORT INSURANCE CORPORATION | 111 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.