| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $33K | $36K | 3.08% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $25K | $25K | 2.17% |
| KMRD PARTNERS3 | 2600 KELLY ROAD SUITE 120 WARRINGTON, PA 18976 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $797 | $11K | $11K | 0.98% |
| KMRD PARTNERS3 | 2600 KELLY ROAD SUITE 120 WARRINGTON, PA 18976 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 17.86% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.00% |
| FOUNDATION RISK PARTNERS CORP3 | 2600 KELLY RD STE 120 WARRINGTON, PA 18976 | VISION SERVICE PLAN | $634 | — | $634 | 5.55% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | VISION SERVICE PLAN | $609 | — | $609 | 5.33% |
| KMRD PARTNERS3 Filed as: KMRD PARTNERS INC | 2600 KELLY ROAD SUITE 120 WARRINGTON, PA 189763652 | VISION SERVICE PLAN | $375 | — | $375 | 3.28% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 2600 KELLY RD STE 120 WARRINGTON, PA 18976 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 13.49% |
| KMRD PARTNERS3 | 2600 KELLY RD STE 120 WARRINGTON, PA 18976 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $547 | $600 | $1K | 10.05% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 2600 KELLY RD STE 120 WARRINGTON, PA 18976 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $873 | — | $873 | 13.32% |
| KMRD PARTNERS3 | 2600 KELLY RD STE 120 WARRINGTON, PA 18976 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $327 | $358 | $685 | 10.45% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 2600 KELLY RD STE 120 WARRINGTON, PA 18976 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $878 | — | $878 | 13.55% |
| KMRD PARTNERS3 | 2600 KELLY RD STE 120 WARRINGTON, PA 18976 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $307 | $335 | $642 | 9.91% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 141 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 141 | $1.2M |
| Vision | VISION SERVICE PLAN | 90 | $11K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 122 | $69K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 122 | $69K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 122 | $69K |
| Other(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 46 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.