| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 404 LIBERTY AVE, 4 GATEWAY CENTER SUITE 505 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $32K | — | $32K | 5.09% |
| BENEFITS NETWORK INC. (WEXFORD,PA)3 Filed as: BENEFITS NETWORK, INC. | 115 VIP DRIVE SUITE 300 WEXFORD, PA 15090 | UPMC HEALTH OPTIONS | $3K | — | $3K | 0.42% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA CBDI | 9 EVES DRIVE SUITE 150 MARLTON, NJ 08053 | INDEPENDENCE BLUE CROSS | $8K | — | $8K | 5.48% |
| IAN MAXWELL GORDON3 | 3300 PGA BLVD SUITE 400 PALM BEACH GARDENS, FL 33410 | NORTHWESTERN MUTUAL | $8K | $2K | $10K | 9.76% |
| ARMOND F. REGGIO3 | 3300 PGA BLVD SUITE 400 PALM BEACH GARDENS, FL 33410 | NORTHWESTERN MUTUAL | $6K | $1K | $8K | 7.99% |
| JONATHAN MARK WARNER3 | 3300 PGA BLVD SUITE 400 PALM BEACH GARDENS, FL 33410 | NORTHWESTERN MUTUAL | $2K | $564 | $3K | 2.97% |
| STRIANO FNCL GRP LLC3 Filed as: STRIANO FNCL GROUP, LLC | SUITE 300 1200 N FEDERAL HWY BOCA RATON, FL 33432 | NORTHWESTERN MUTUAL | $2K | $186 | $2K | 2.33% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA CBDI | 9 EVES DRIVE SUITE 150 MARLTON, NJ 08053 | INDEPENDENCE BLUE CROSS | $5K | — | $5K | 7.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA | 100 MATSONFORD RD BLDG 5 SUITE 200 RADNOR, PA 190874559 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $818 | $3K | 5.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONL INS. SERVICES | 7770 JEFFERSON ST. NE SUITE 101 ALBUQUERQUE, NM 871094368 | METROPOLITAN LIFE INSURANCE COMPANY | $138 | — | $138 | 0.26% |
| THE ZALIS ORGANIZATION3 | 1 WEST MAIN STREET MARLTON, NJ 080532029 | METROPOLITAN LIFE INSURANCE COMPANY | $134 | — | $134 | 0.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES INC | PO BOX 5345 RIVERSIDE, CA 925175345 | METROPOLITAN LIFE INSURANCE COMPANY | — | $46 | $46 | 0.09% |
| ARMOND F. REGGIO3 | 3300 PGA BLVD SUITE 200 PALM BEACH GARDENDS, FL 33410 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.91% |
| IAN GORDON3 | 3300 PGA BOULEVARD SUITE 400 PALM BEACH GARDENS, FL 33410 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.91% |
| FDR FINANCIAL GROUP3 Filed as: FDR FINANCIAL GROUO, INC | STE 495 S 4000 HOLLYWOOD BLVD HOLLYWOOD, FL 33021 | STANDARD INSURANCE COMPANY | $322 | — | $322 | 0.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | BLDG 2 STE 125 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $260 | — | $260 | 0.49% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 111 | $777K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 188 | $53K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 127 | $79K |
| Life insurance | STANDARD INSURANCE COMPANY | 111 | $53K |
| Long-term disability | NORTHWESTERN MUTUAL | 91 | $99K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 16 | $73K |
| Other | UPMC HEALTH OPTIONS | 111 | $636K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.