| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $26K | — | $26K | 3.03% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $9K | — | $9K | 3.01% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $8K | — | $8K | 8.68% |
| MY BENEFIT ADVISOR LLC3 | 669 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 8.69% |
| MY BENEFIT ADVISOR LLC3 | 669 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 11.96% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $1K | — | $1K | 2.69% |
| MY BENEFIT ADVISOR LLC3 | 669 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 11.40% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $299 | — | $299 | 8.62% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UPMC HEALTH OPTIONS | 123 | $1.2M |
| Dental(2 contracts) | UPMC HEALTH BENEFITS | 267 | $100K |
| Vision(2 contracts) | UPMC HEALTH BENEFITS | 267 | $100K |
| Life insurance | STANDARD INSURANCE COMPANY | 113 | $49K |
| Short-term disability | STANDARD INSURANCE COMPANY | 113 | $18K |
| Long-term disability | STANDARD INSURANCE COMPANY | 113 | $46K |
| Prescription drug(3 contracts) | UPMC HEALTH OPTIONS | 123 | $1.2M |
| Other(3 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 113 | $391K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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."
No prospect flags tripped on this filing.