| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 100 PINEWOOD LANE, SUITE 301 WARRENDALE, PA 15086 | HIGHMARK INC. | $37K | — | $37K | 3.87% |
| ASSUREDPARTNERS3 Filed as: EMERSON RODGERS, LLC | 669 RIVER DR. SUITE 305 ELMWOOD PARK, NJ 07407 | UNITED CONCORDIA INSURANCE COMPANY | $676 | $0 | $676 | 1.02% |
| ASSUREDPARTNERS3 Filed as: EMERSON RODGERS, LLC | 669 RIVER DR. SUITE 305 ELMWOOD PARK, NJ 07407 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $38 | $0 | $38 | 1.03% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 669 RIVER DR. SUITE 305 ELMWOOD PARK, NJ 07407 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $284 | $0 | $284 | 10.00% |
| ASSUREDPARTNERS5 Filed as: EMERSON RODGERS, LLC | 350 FIFTH AVENUE NEW YORK, NY 10118 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $48 | $48 | 1.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROSSMAN YANAK & FORD LLP EIN 25-1638525 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | THREE GATEWAY CENTER, SUITE 1800 PITTSBURGH, PA 15222 | $18K |
| MY BENEFIT ADVISOR, LLC ADMINISTRATOR | Accounting (including auditing); Direct payment from the plan; Contract Administrator Service code 10 | 301 PINEWOOD LANE, SUITE 301 WARRENDALE, PA 15086 | $10K |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 105 | $959K |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 149 | $70K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 158 | $13K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 89 | $3K |
| Prescription drug | HIGHMARK INC. | 78 | $216K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 89 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.