| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | ONE INTERNATIONAL PLAZA, 4TH FLOOR PHILADELPHIA, PA 19113 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $46K | — | $46K | 2.46% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY COMPANIES | 1550 POND ROAD, SUITE 130 ALLENTOWN, PA 18104 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $22K | — | $22K | 1.18% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $7K | $21K | 6.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDATLANTIC INC. | 1 INTERNATIONAL PLAZA, SUITE 400 PHILADELPHIA, PA 19113 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $3K | $13K | 3.97% |
| EMERSON REID LLC3 | 630 WEST GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK, INC. | $1K | — | $1K | 4.09% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | HIGHMARK, INC. | $581 | — | $581 | 1.96% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 61007 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY | $2K | $114 | $2K | 9.25% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFIS CO | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY | $2K | $133 | $2K | 6.71% |
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 | 258 | 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) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 229 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 603 | $335K |
| Vision | HIGHMARK, INC. | 659 | $30K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 603 | $335K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 603 | $335K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 603 | $335K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 229 | $1.9M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 603 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 659 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.