| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET STE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $12K | $0 | $12K | 1.82% |
| THE BENECON GROUP3 | 201 E OREGON ROAD LITITZ, PA 17543 | UPMC HEALTH OPTIONS | $6K | $0 | $6K | 0.95% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET STE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $14K | $0 | $14K | 5.59% |
| THE BENECON GROUP3 | 201 E OREGON RD LITITZ, PA 17543 | UPMC HEALTH OPTIONS | $2K | $0 | $2K | 0.95% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N FRONT STREET STE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $190 | $0 | $190 | 2.38% |
| THE BENECON GROUP3 Filed as: BENECON GROUP | 201 E OREGON RD LITITZ, PA 17543 | UPMC HEALTH BENEFITS | $103 | $0 | $103 | 1.29% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N FRONT STREET STE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $186 | $0 | $186 | 2.55% |
| THE BENECON GROUP3 | 201 E OREGON RD LITITZ, PA 17543 | UPMC HEALTH OPTIONS | $17 | $0 | $17 | 0.23% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UPMC HEALTH OPTIONS | 128 | $910K |
| Vision | UPMC HEALTH BENEFITS | 111 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.