| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COHEN BENEFITS GROUP INC Filed as: THE COHEN BENEFITS GROUP | 4062 PEACHTREE ROAD SUITE A 432 ATLANTA, GA 30319 | CMR ADMINISTRATORS | $10K | — | $10K | 5.92% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | THE HARTFORD | $7K | — | $7K | 22.98% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $913 | $913 | 5.00% |
| FRANCINE M MANEY3 | 12 S THIRD ST CLEARFIELD, PA 16830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $804 | — | $804 | 4.40% |
| FRANCINE M MANEY3 | 12 S THIRD ST CLEARFIELD, PA 16830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $625 | — | $625 | 15.00% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $208 | $208 | 4.99% |
| FRANCINE M MANEY3 | 12 S THIRD ST CLEARFIELD, PA 16830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $270 | — | $270 | 11.98% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $113 | $113 | 5.01% |
| BENECHOICE ENROLLMENT SOLUTIONS3 Filed as: BENECHOICE ENROLLMENT SOLUTIONS INC | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 3.73% |
| HELMBOLD & STEWART INC3 | 12 SOUTH 3RD ST CLEARFIELD, PA 16830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 3.20% |
| T NASH SKILES INC3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 1.07% |
| ASHLEY ELCOCK3 | 220 TATTLETOWN RD AARONSBURG, PA 16820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.43% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CMR ADMINISTRATORS | 185 | $163K |
| Dental | CMR ADMINISTRATORS | 185 | $163K |
| Vision | CMR ADMINISTRATORS | 185 | $163K |
| Life insurance(3 contracts, 2 carriers) | THE HARTFORD | 213 | $38K |
| Short-term disability(2 contracts, 2 carriers) | THE HARTFORD | 213 | $50K |
| Prescription drug | CMR ADMINISTRATORS | 185 | $163K |
| Other(3 contracts, 3 carriers) | THE HARTFORD | 213 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.