| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEY INSURANCE & BENEFIT SERVICES3 | 726 EXCHANGE ST SUITE 900 BUFFALO, NY 14210 | HIGHMARK | $55K | — | $55K | 0.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE & BENEFITS SERV.,INC. | PO BOX 62817 VIRGINIA BEACH, VA 23466 | HIGHMARK | $28K | — | $28K | 0.33% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SERVICES | 1205 MANOR DRIVE MECHANICSBURG, PA 17055 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $4K | — | $4K | 0.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | ONE INTERNATIONAL PLAZA 4TH FLOOR PHILADELPHIA, PA 19113 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $3K | — | $3K | 0.62% |
| USI INSURANCE SERVICES LLC3 | 4TH FLOOR ONE INTERNATIONAL PLAZA PHILADELPHIA, PA 19113 | STANDARD INSURANCE COMPANY | $25K | $5K | $30K | 7.42% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC. | EMPIRE STATE BUILDING 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 4.07% |
| DENNIS J MCGEE JR3 | 1 INT PLAZA SUITE 400 PHILADELPHIA, PA 19113 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 2.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER INSURANCE | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HDI GLOBAL SPECIALTY SE (LLOYD'S OF LONDON) | $15K | — | $15K | 20.00% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $817 | $2K | 15.00% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $531 | $2K | 15.00% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $855 | $427 | $1K | 15.00% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $182 | $91 | $273 | 15.03% |
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 | 840 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 263 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 2,753 | $8.4M |
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 646 | $474K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 807 | $415K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 807 | $408K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 807 | $422K |
| Prescription drug | HIGHMARK | 2,753 | $8.4M |
| Other(3 contracts, 2 carriers) | HDI GLOBAL SPECIALTY SE (LLOYD'S OF LONDON) | 807 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,753 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.