| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 630 W. GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | HIGHMARK, INC. | $53K | — | $53K | 3.02% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1285 DRUMMERS LN. STE 305 WAYNE, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $768 | $6K | 6.80% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1285 DRUMMERS LN. STE 305 WAYNE, PA 19087 | DELTA DENTAL OF PENNSYLVANIA | $3K | — | $3K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1285 DRUMMERS LN SE 305 WAYNE, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $480 | $5K | 10.25% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1285 DRUMMERS LN STE 305 WAYNE, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $383 | $6K | 16.05% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST. 6TH FL SAN DIEGO, CA 92101 | HEARTLAND | $688 | — | $688 | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1285 DRUMMERS LN. STE 305 WAYNE, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $147 | $1K | 11.11% |
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 | 207 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 213 | $1.7M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 245 | $66K |
| Vision | HEARTLAND | 255 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 207 | $50K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $82K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 53 | $47K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 207 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
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.