| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | KEYSTONE HEALTHPLAN EAST | $96K | — | $96K | 4.96% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | KEYSTONE HEALTHPLAN EAST | $8K | — | $8K | 0.44% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE, CENTER II, SUITE 3 ELMWOOD PARK, NJ 07407 | UNITED CONCORDIA INSURANCE COMPANY | $22K | $137 | $22K | 14.63% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | AMERIHEALTH INSURANCE COMPANY | $7K | — | $7K | 5.38% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | AMERIHEALTH INSURANCE COMPANY | $1K | — | $1K | 0.94% |
| NESTER INSURANCE INC3 | 313 WEST RIDGE PIKE LIMERICK, PA 19468 | SYMETRA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| NESTER INSURANCE INC3 Filed as: NESTER INSURANCE INC. | 1007 DUCHESS CT ROYERSFORD, PA 19468 | VSP VISION CARE | $464 | — | $464 | 9.97% |
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 | 107 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE HEALTHPLAN EAST | 240 | $2.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 261 | $151K |
| Vision | VSP VISION CARE | 23 | $5K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 240 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.