| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10118 | HIGHMARK INC. | $52K | — | $52K | 2.69% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 100 PINEWOOD LANE, SUITE 301 WARRENDALE, PA 15086 | HIGHMARK INC. | $21K | — | $21K | 1.10% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10118 | UNITED CONCORDIA INSURANCE COMPANY | $8K | — | $8K | 10.73% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10118 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $551 | — | $551 | 10.12% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 100 PINEWOOD LANE, SUITE 301 WARRENDALE, PA 15086 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $436 | — | $436 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROSSMAN YANAK & FORD LLP EIN 25-1638525 NONE | Accounting (including auditing) Service code 10 | THREE GATEWAY CENTER, SUITE 1800 PITTSBURGH, PA 15222 | $50K |
| EMERSON REID,LLC EIN 13-3938007 NONE | Accounting (including auditing); Other services Service code 10 | 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10118 | $45K |
| MY BENEFIT ADVISOR, LLC EIN 20-5335092 NONE | Accounting (including auditing); Contract Administrator; Other services Service code 10 | 100 PINEWOOD LANE, SUITE 301 WARRENDALE, PA 15086 | $21K |
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 | 313 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 336 | $1.9M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 189 | $78K |
| Vision | HM LIFE INSURANCE COMPANY | 280 | $16K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 193 | $4K |
| Prescription drug | HIGHMARK INC. | 336 | $1.9M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 193 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.