| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONESOURCE BENEFIT SOLUTIONS3 | 755 OAK HILL RD. MOUNTAIN TOP, PA 18707 | GEISINGER HEALTH PLAN | $32K | — | $32K | 3.00% |
| ONESOURCE BENEFIT SOLUTIONS3 | 755 OAK HILL RD. MOUNTAIN TOP, PA 18707 | GEISINGER QUALITY OPTIONS, INC. | $12K | — | $12K | 3.00% |
| ONESOURCE BENEFIT SOLUTIONS3 | 755 OAK HILL ROAD MOUNTAIN TOP, PA 18707 | DELTA DENTAL OF PENNSYLVANIA | $3K | — | $3K | 5.00% |
| CHAMBERLIN & REINHEIMER INSURERS3 | 215 WYOMING AVE. SCRANTON, PA 18503 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 8.53% |
| ONESOURCE BENEFIT SOLUTIONS3 | 755 OAK HILL ROAD MOUNTAIN TOP, PA 18707 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 3.20% |
| ONESOURCE BENEFIT SOLUTIONS3 | 755 OAK HILL ROAD MOUNTAIN TOP, PA 18707 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $154 | $2K | 9.80% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC. | 350 5TH AVE. STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $203 | $102 | $305 | 1.21% |
| ONESOURCE BENEFIT SOLUTIONS3 | 755 OAK HILL ROAD MOUNTAIN TOP, PA 18707 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $135 | $2K | 9.79% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC. | 350 5TH AVE. STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $181 | $90 | $271 | 1.22% |
| ONESOURCE BENEFIT SOLUTIONS3 | 755 OAK HILL ROAD MOUNTAIN TOP, PA 18707 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $896 | $58 | $954 | 9.76% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC. | 350 5TH AVE. STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $81 | $41 | $122 | 1.25% |
| ONESOURCE BENEFIT SOLUTIONS3 | 755 OAK HILL ROAD MOUNTAIN TOP, PA 18707 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $435 | $30 | $465 | 9.82% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC. | 350 5TH AVE. STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $38 | $19 | $57 | 1.20% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GEISINGER HEALTH PLAN | 115 | $1.5M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 238 | $59K |
| Vision | VISION BENEFITS OF AMERICA | 122 | $17K |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 148 | $65K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 148 | $38K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 148 | $58K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 148 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.