| 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 | $25K | — | $25K | 2.88% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $7K | — | $7K | 2.87% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $7K | — | $7K | 11.31% |
| MY BENEFIT ADVISOR LLC3 | 669 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 9.29% |
| MY BENEFIT ADVISOR LLC3 | 669 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.16% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $556 | — | $556 | 3.00% |
| MY BENEFIT ADVISOR LLC3 | 669 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.21% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $113 | — | $113 | 10.01% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | 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 | 126 | $1.2M |
| Dental(2 contracts) | UPMC HEALTH BENEFITS | 243 | $67K |
| Vision(2 contracts) | UPMC HEALTH BENEFITS | 243 | $67K |
| Life insurance | STANDARD INSURANCE COMPANY | 110 | $46K |
| Short-term disability | STANDARD INSURANCE COMPANY | 106 | $16K |
| Long-term disability | STANDARD INSURANCE COMPANY | 110 | $47K |
| Prescription drug(3 contracts) | UPMC HEALTH OPTIONS | 126 | $1.2M |
| Other(3 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 110 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.