| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 630 WEST GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK INC. | $51K | — | $51K | 4.94% |
| ERC OF NY, INC.3 | — | UNITED CONCORDIA INSURANCE COMPANY | $5K | — | $5K | 7.53% |
| COBB B LLC3 | 145 WEST 45TH STREET SUITE 602 NEW YORK, NY 10036 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.03% |
| EMERSON REID LLC3 | 350 5TH AVENUE # 3700 NEW YORK, NY 10118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.15% |
| COBB B LLC3 | 145 WEST 45TH STREET SUITE 602 NEW YORK, NY 10036 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.93% |
| EMERSON REID LLC3 | 350 5TH AVENUE # 3700 NEW YORK, NY 10118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $954 | $954 | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $763 | $763 | 4.00% |
| COBB B LLC3 | 145 WEST 45TH STREET SUITE 602 NEW YORK, NY 10036 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.58% |
| EMERSON REID LLC3 | 350 5TH AVENUE # 3700 NEW YORK, NY 10118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $781 | $781 | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $636 | $636 | 4.07% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 350 FIFTH AVENUE #3700 NEW YORK, NY 10118 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $531 | $531 | 4.10% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1787 SENTRY PARKWAY WEST VEVA 16 #320 BLUE BELL, PA 19422 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $55 | $55 | 0.42% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2 | — | $2 | 0.02% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 149 | $1.0M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 166 | $71K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 239 | $13K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 217 | $16K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 217 | $32K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 217 | $19K |
| Prescription drug | HIGHMARK INC. | 149 | $1.0M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 217 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.