| 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. | $40K | — | $40K | 4.25% |
| ASSUREDPARTNERS3 Filed as: EMERSON RODGERS, LLC | 669 RIVER DR. SUITE 305 ELMWOOD PARK, NJ 07407 | UNITED CONCORDIA INSURANCE COMPANY | $772 | $0 | $772 | 1.05% |
| ASSUREDPARTNERS3 Filed as: EMERSON RODGERS, LLC | 669 RIVER DR. SUITE 305 ELMWOOD PARK, NJ 07407 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $45 | $0 | $45 | 1.05% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 669 RIVER DR. SUITE 305 ELMWOOD PARK, NJ 07407 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $361 | — | $361 | 10.00% |
| ASSUREDPARTNERS5 Filed as: EMERSON RODGERS, LLC | 350 FIFTH AVENUE NEW YORK, NY 10118 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $121 | $121 | 3.35% |
| 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 | Contract Administrator; Direct payment from the plan; Accounting (including auditing) Service code 10 | 301 PINEWOOD LANE, SUITE 301 WARRENDALE, PA 15086 | $11K |
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 | 275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 112 | $948K |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 152 | $78K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 297 | $18K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 103 | $4K |
| Prescription drug | HIGHMARK INC. | 79 | $177K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 103 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.