| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERNEST MARTINELLI3 Filed as: ERNEST M MARTINELLI | 1101 FAYETTE ST CONSHOHOCKEN, PA 19428 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $64K | $66K | 4.12% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC PA DE | VEVA 16 SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | — | $32K | 2.00% |
| MICHAEL MARTINELLI3 | 1101 FAYETTE STREET CONSHOHOCKEN, PA 19428 | UNITEDHEALTHCARE INSURANCE COMPANY | $936 | $27K | $28K | 1.77% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1305 WALT WHITMAN RD #310 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 0.07% |
| ERNEST MARTINELLI3 Filed as: ERNEST MICHAEL MARTINELLI | 1101 FAYETTE ST CONSHOHOCKEN, PA 194281563 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 9.14% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 194222240 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $698 | $4K | 5.96% |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 603 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 603 | $1.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 603 | $1.6M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 228 | $73K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 228 | $73K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 228 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 603 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.