| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | UNKNOWN BLUE BELL, PA 19422 | GEISINGER HEALTH PLAN | $16K | $6 | $16K | 2.48% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON & COMPANY | 709 EAST SOUTH TEMPLE SALT LAKE CITY, UT 84102 | GEISINGER HEALTH PLAN | $13K | $30 | $13K | 2.06% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | UNKNOWN BLUE BELL, PA 19422 | GEISINGER QUALITY OPTIONS, INC. | $2K | $6 | $2K | 1.42% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON & COMPANY | 709 EAST SOUTH TEMPLE SALT LAKE CITY, UT 84102 | GEISINGER QUALITY OPTIONS, INC. | $1K | $30 | $1K | 1.05% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON & COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 11.46% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $757 | $3K | 6.82% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON & COMPANY | UNKNOWN SALT LAKE CITY, UT 84158 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $0 | $2K | 5.90% |
| ERC OF NY, INC.3 | UNKNOWN ELMWOOD PARK, NJ 07407 | UNITED CONCORDIA INSURANCE COMPANY | $1K | $28 | $1K | 4.16% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON & COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $632 | $0 | $632 | 7.27% |
| APERTURE CONSULTING, LLC3 | 210 WEST HAMILTON AVENUE SUITE 327 STATE COLLEGE, PA 16801 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $410 | $0 | $410 | 4.72% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GEISINGER HEALTH PLAN | 12 | $751K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 107 | $33K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 67 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $38K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $38K |
| Prescription drug(2 contracts, 2 carriers) | GEISINGER HEALTH PLAN | 12 | $751K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.
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.