| 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 | $18K | — | $18K | 3.79% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA CBDI | 9 EVES DRIVE MARLTON, NJ 08053 | INDEPENDENCE BLUE CROSS | $6K | — | $6K | 7.14% |
| IAN MAXWELL GORDON3 | 1515 S. FEDERAL HWY SUITE 208 BOCA RATON, FL 33432 | NORTHWESTERN MUTUAL | $5K | $1K | $7K | 8.24% |
| ARMOND F. REGGIO3 | 3300 PGA BLVD SUITE 400 PALM BEACH GARDENS, FL 33410 | NORTHWESTERN MUTUAL | $4K | $1K | $6K | 6.74% |
| JONATHAN MARK WARNER3 | 3300 PGA BLVD SUITE 400 PALM BEACH GARDENS, FL 33410 | NORTHWESTERN MUTUAL | $1K | $456 | $2K | 2.29% |
| STRIANO FNCL GRP LLC3 Filed as: STRIANO FNCL GROUP, LLC | 1515 S. FEDERAL HWY STE 208 BOCA RATON, FL 33432 | NORTHWESTERN MUTUAL | $2K | $175 | $2K | 2.11% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA CBDI | 9 EVES DRIVE MARLTON, NJ 08053 | INDEPENDENCE BLUE CROSS | $4K | — | $4K | 5.62% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NJ 074071361 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $522 | $3K | 5.75% |
| THE ZALIS ORGANIZATION3 Filed as: THE ZALIS ORGANIZAION | 1 W MAIN STREET MARLTON, NJ 080532029 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.23% |
| 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 | — | — | $0 | 0.00% |
| ARMOND F. REGGIO3 | 3300 PGA BLVD SUITE 200 PALM BEACH GARDENS, FL 33410 | STANDARD INSURANCE COMPANY | $521 | — | $521 | 5.39% |
| IAN GORDON3 | 3300 PGA BOULEVARD SUITE 400 PALM BEACH GARDENS, FL 33410 | STANDARD INSURANCE COMPANY | $521 | — | $521 | 5.39% |
| IAN MAXWELL GORDON3 | 1515 S. FEDERAL HW STE 208 BOCA RATON, FL 33432 | NORTHWESTERN MUUTAL | $1K | $279 | $1K | — |
| ARMOND F. REGGIO3 | 3300 PGA BLVD STE 400 PALM BCH GDNS, FL 33410 | NORTHWESTERN MUUTAL | $1K | $262 | $1K | — |
| JONATHAN MARK WARNER3 | 3300 PGA BLVD STE 400 PALM BCH GDNS, FL 33410 | NORTHWESTERN MUUTAL | $199 | $66 | $265 | — |
| STRIANO FNCL GRP LLC3 | 1515 S. FEDERAL HWY STE 208 BOCA RATON, FL 33432 | NORTHWESTERN MUUTAL | $229 | $26 | $255 | — |
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 | 125 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 80 | $560K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 125 | $45K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 84 | $71K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 87 | $10K |
| Long-term disability | NORTHWESTERN MUTUAL | 87 | $83K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 0 | $66K |
| Other | UPMC HEALTH OPTIONS | 80 | $473K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.