| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $47K | — | $47K | 4.53% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $15K | $26K | 22.54% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | UNKNOWN ELMWOOD PARK, NJ 07407 | UNITED CONCORDIA INSURANCE COMPANY | $9K | $709 | $9K | 10.95% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE, INC. | UNKNOWN LANSDALE, PA 19446 | UNITED CONCORDIA INSURANCE COMPANY | $0 | $1K | $1K | 1.45% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | KEYSTONE | $7K | $0 | $7K | 11.15% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $531 | — | $531 | 5.40% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE, INC. | 6339 BEVERLY HILLS ROAD COOPERSBURG, PA 18036 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $531 | — | $531 | 5.40% |
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 | 114 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 199 | $1.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 217 | $85K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 151 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $116K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $116K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $116K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 199 | $1.0M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.