| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT CONSULTANTS3 | 682 BROOKSIDE RD STE 100 ALLENTOWN, PA 181069646 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $0 | $2K | 10.05% |
| THE BENECON GROUP3 | 201 E OREGON RD, STE 100 LITITZ, PA 17543 | UNITED CONCORDIA INSURANCE COMPANY | $0 | $338 | $338 | 2.01% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $662 | $625 | $1K | 19.44% |
| EMPLOYEE BENEFIT CONSULTANTS3 | 612 N BROOKSIDE RD STE 100 ALLENTOWN, PA 181069646 | PRINCIPAL LIFE INSURANCE COMPANY | $333 | $0 | $333 | 10.12% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 230 BLUE BELL, PA 194222240 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $202 | $202 | 6.14% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $288 | $274 | $562 | 19.49% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $174 | $165 | $339 | 19.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFITS CONSULTANTS, LLC EIN 20-2277261 BROKER | Insurance agents and brokers Service code 22 | — | $9K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $8K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $2K |
| CAPITAL BLUECROSS EIN 23-0455154 CARRIER | Claims processing Service code 12 | — | -$126 |
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 | 25 | 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) | 25 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 52 | $17K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 51 | $3K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 22 | $2K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 22 | $3K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 22 | $7K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 25 | $123K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 22 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 52 | — |
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.