| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID & CO, INC. | 1787 SENTRY PKWY W SUITE 320 BLDG 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $181 | $3K | 5.40% |
| AP BENEFIT ADVISORS, LLC3 | 21 E 5TH AVE SUITE 204 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 5.04% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | — | $784 | $784 | 1.57% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP, LLC. | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $660 | — | $660 | 3.35% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 14020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $545 | — | $545 | 2.76% |
| JUAN J MORENO3 Filed as: JUAN MORENO | 21 VACARI WAY LITTLE EGG HARBOR, NJ 08087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | — | $41 | 0.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AP BENEFIT ADVISORS, LLC BROKER | Contract Administrator; Claims processing Service code 12 | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | $21K |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE ADMINISTRATORS | 156 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 230 | $50K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 192 | $7K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 38 | $20K |
| Prescription drug | INDEPENDENCE ADMINISTRATORS | 156 | $0 |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 38 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.