| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK BLUE SHIELD | $53K | — | $53K | 2.50% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING LLC | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18424 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 10.00% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING, LLC | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18424 | DELTA DENTAL OF TENNESSEE | $4K | — | $4K | 7.50% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING, LLC | 41 SULLIVAN STREET FORTY FORT, PA 18704 | PARAMOUNT DENTAL | $3K | — | $3K | 10.00% |
| NOVALYZE CONSULTING3 | 41 SULLIVAN STREET FORTY FORT, PA 18704 | VISION SERVICE PLAN | $975 | — | $975 | 5.97% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 669 RIVER DRIVE - STE 305 ELMWOOD PARK, NJ 07407 | VISION SERVICE PLAN | $815 | — | $815 | 4.99% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | $980 | $152 | $1K | 8.97% |
| NOVALYZE CONSULTING3 | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18704 | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | $1K | — | $1K | 8.53% |
| LANCE A BRADLEY3 | 2028 MOUNT VERNON CIRCLE HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | $138 | $2 | $140 | 1.11% |
| BRENDA H BRIDGES3 Filed as: BRENDA LEE PLACKO | 1863 CREEK ROAD MANHEIM, PA 17545 | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | $50 | — | $50 | 0.40% |
| DEIRDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | $9 | — | $9 | 0.07% |
| PETRINA SKILES3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | $8 | — | $8 | 0.06% |
| MARY-JOYCE LICATA3 Filed as: MARY J YARNELL | 170 E HAMILTON LANE BATTLE CREEK, MI 49015 | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | $5 | — | $5 | 0.04% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING LLC | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18424 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $741 | — | $741 | 10.00% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $702 | $94 | $796 | 12.86% |
| BRENDA H BRIDGES3 Filed as: BRENDA LEE PLACKO | 1863 CREEK ROAD MANHEIM, PA 17545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.23% |
| MARY-JOYCE LICATA3 Filed as: MARY J. YARNELL | 170 E HAMILTON LANE BATTLE CREEK, MI 49015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.08% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $297 | $9 | $306 | 8.07% |
| MARY-JOYCE LICATA3 Filed as: MARY J YARNELL | 170 E HAMILTON LANE BATTLE CREEK, MI 49015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.50% |
| BRENDA H BRIDGES3 Filed as: BRENDA LEE PLACKO | 1863 CREEK ROAD MANHEIM, PA 17545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.45% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $335 | $66 | $401 | 11.77% |
| NOVALYZE CONSULTING3 | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $289 | — | $289 | 8.48% |
| BRENDA H BRIDGES3 Filed as: BRENDA LEE PLACKO | 1863 CREEK ROAD MANHEIM, PA 17545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.41% |
| LANCE A BRADLEY3 | 2028 MOUNT VERNON CIRCLE HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.32% |
| PETRINA SKILES3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.06% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 6.67% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE SHIELD | 261 | $2.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF TENNESSEE | 165 | $79K |
| Vision | VISION SERVICE PLAN | 120 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 176 | $83K |
| Short-term disability(5 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | 32 | $26K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 176 | $2K |
| Prescription drug | HIGHMARK BLUE SHIELD | 261 | $2.1M |
| Other(6 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | 176 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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."
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.