| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 100 PINEWOOD LANE, SUITE 301 WARRENDALE, PA 15086 | HIGHMARK INC. | $44K | $0 | $44K | 2.38% |
| KRISE BROEG & BOUSHELL, LLC3 | 100 STERLING PARKWAY, SUITE 103 MECHANICSBURG, PA 17050 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 10.06% |
| KILMER LIFE AGENCY INC3 Filed as: KILMER LIFE AGENCY, INC. | 220 CHURCH STREET PO BOX 337 WYALUSING, PA 18853 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $662 | $0 | $662 | 14.14% |
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 | 375 | 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) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 190 | $1.8M |
| Dental | HIGHMARK INC. | 190 | $1.8M |
| Vision | HIGHMARK INC. | 190 | $1.8M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 293 | $97K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 293 | $97K |
| Prescription drug | HIGHMARK INC. | 190 | $1.8M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 375 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.