| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE REINARD AGENCY3 Filed as: THE REINARD AGENCY INC DBA LMK INS | 349 BUSTLETON PIKE FEASTERVILLE-TREVOSE, PA 19053 | HIGHMARK INC | $56K | — | $56K | 4.08% |
| ASSUREDPARTNERS3 Filed as: EMERSON, ROGERS LLC | 100 PINEWOOD LANE SUITE 301 WARRENDALE, PA 15086 | HIGHMARK INC | $13K | — | $13K | 0.97% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES, LLC | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $4K | $4K | $8K | 20.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $6K | 20.22% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES, LLC | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $3K | 19.72% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GEN AGCNY | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $125 | — | $125 | 9.96% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $63 | $63 | 5.02% |
| THE REINARD AGENCY3 | 349 BUSTLETON PIKE FEASTERVILLE, PA 19053 | AETNA | $4K | — | $4K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE REINARD AGENCY BROKER | Insurance agents and brokers; Insurance services Service code 22 | 349 BUSTLETON PIKE FEASTERVILLE, PA 19053 | $35K |
| EMERSON, ROGERS LLC GENERAL AGENT | Insurance services; Insurance agents and brokers Service code 22 | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NJ 07407 | $4K |
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 | 212 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK INC | 330 | $1.4M |
| Dental(2 contracts, 2 carriers) | HIGHMARK INC | 330 | $1.4M |
| Vision(2 contracts, 2 carriers) | HIGHMARK INC | 330 | $1.4M |
| Life insurance | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 207 | $16K |
| Long-term disability(2 contracts) | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 207 | $54K |
| Other(2 contracts, 2 carriers) | HIGHMARK INC | 209 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.
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.