| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $46K | — | $46K | 2.31% |
| ACRISURE LLC3 Filed as: ACRISURE MID-ATLANTIC PARTNERS INSU | — | INDEPENDENCE BLUE CROSS | $13K | — | $13K | 0.65% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | — | UNITED CONCORDIA INSURANCE COMPANY | $5K | -$5 | $5K | 4.91% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $433 | — | $433 | 2.23% |
| ACRISURE LLC3 Filed as: ACRISURE MID-ATLANTIC PARTNERS INSU | — | INDEPENDENCE BLUE CROSS | $126 | — | $126 | 0.65% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DR CTR II STE 305 ELMWOOD PARK, NJ 07407 | HARTFORD LIFE AND ACCIDENT | $7K | $4K | $10K | — |
| ACRISURE LLC3 | 1265 DRUMMERS LANE STE 300 WAYNE, PA 19087 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | — |
| EMERSON REID LLC3 | 1305 WALT WHITMON RD MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | — | $1 | $1 | — |
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 | 418 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 339 | $2.0M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 380 | $101K |
| Vision | INDEPENDENCE BLUE CROSS | 339 | $19K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 418 | $0 |
| Other | HARTFORD LIFE AND ACCIDENT | 418 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.