| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONESOURCE BENEFIT SOLUTIONS3 | 755 OAK HILL RD. MOUNTAIN TOP, PA 18707 | GEISINGER HEALTH PLAN | $26K | — | $26K | 3.00% |
| ONESOURCE BENEFIT SOLUTIONS3 | 755 OAK HILL RD. MOUNTAIN TOP, PA 18707 | GEISINGER QUALITY OPTIONS, INC. | $7K | — | $7K | 3.00% |
| ONESOURCE BENEFIT SOLUTIONS3 | 755 OAK HILL ROAD MOUNTAIN TOP, PA 18707 | DELTA DENTAL OF PENNSYLVANIA | $3K | — | $3K | 5.24% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC. | 350 5TH AVE. STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 22.55% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC. | 350 5TH AVE. STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 22.64% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC. | 350 5TH AVE. STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 22.13% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC. | 350 5TH AVE. STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $595 | $693 | $1K | 21.64% |
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 | 136 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GEISINGER HEALTH PLAN | 149 | $1.1M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 233 | $54K |
| Vision | VISION BENEFITS OF AMERICA | 120 | $16K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $32K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 34 | $6K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $24K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.