| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY INSURANCE SERVICES3 | MANOR OAK TWO, SUITE 800 1910 COCHRAN ROAD PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $24K | — | $24K | 4.06% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA CBDI | 9 EVES DRIVE MARLTON, NJ 08053 | INDEPENDENCE BLUE CROSS | $6K | — | $6K | 6.87% |
| IAN MAXWELL GORDON3 | 3300 PGA BLVD SUITE 400 PALM BEACH GARDENS, FL 33410 | NORTHWESTERN MUTUAL | $6K | $1K | $8K | 8.48% |
| ARMOND F. REGGIO3 | 3300 PGA BLVD SUITE 400 PALM BEACH GARDENS, FL 33410 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 6.94% |
| JONATHAN MARK WARNER3 | 3300 PGA BLVD SUITE 400 PALM BEACH GARDENS, FL 33410 | NORTHWESTERN MUTUAL | $2K | $447 | $2K | 2.58% |
| STRIANO FNCL GRP LLC3 Filed as: STRIANO FNCL GROUP, LLC | SUITE 300 1200 N FEDERAL HWY BOCA RATON, FL 33432 | NORTHWESTERN MUTUAL | $2K | $148 | $2K | 2.02% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA CBDI | 9 EVES DRIVE MARLTON, NJ 08053 | INDEPENDENCE BLUE CROSS | $4K | — | $4K | 6.58% |
| THE ZALIS ORGANIZATION3 Filed as: THE ZALIS ORGANIZAION | 1 W MAIN STREET MARLTON, NJ 080532029 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONL INS. SERVICES INC. | 7770 JEFFERSON ST. NE SUITE 101 ALBUQUERQUE, NM 871094368 | METROPOLITAN LIFE INSURANCE COMPANY | — | $60 | $60 | 0.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC | 100 MATSONFROD RD BLDG 5 STE 200 RADNOR, PA 190874559 | METROPOLITAN LIFE INSURANCE COMPANY | — | $42 | $42 | 0.08% |
| ARMOND F. REGGIO3 | 3300 PGA BLVD SUITE 200 PALM BEACH GARDENS, FL 33410 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.46% |
| IAN GORDON3 | 3300 PGA BOULEVARD SUITE 400 PALM BEACH GARDENS, FL 33410 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.46% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 89 | $686K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $56K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 123 | $74K |
| Life insurance | STANDARD INSURANCE COMPANY | 99 | $44K |
| Long-term disability | NORTHWESTERN MUTUAL | 99 | $90K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 7 | $67K |
| Other | UPMC HEALTH OPTIONS | 89 | $592K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.