| 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 | $13K | — | $13K | 2.71% |
| IAN MAXWELL GORDON3 | 1515 S. FEDERAL HW STE 208 BOCA RATON, FL 33432 | NORTHWESTERN MUTUAL | $8K | $2K | $11K | 9.55% |
| ARMOND F. REGGIO3 | 3300 PGA BLVD STE 400 PALM BCH GDNS, FL 33410 | NORTHWESTERN MUTUAL | $7K | $2K | $9K | 7.81% |
| STRIANO FNCL GRP LLC3 | 1515 S. FEDERAL HWY STE 208 BOCA RATON, FL 33432 | NORTHWESTERN MUTUAL | $3K | $346 | $3K | 2.93% |
| JONATHAN MARK WARNER3 | 3300 PGA BLVD STE 400 PALM BCH GDNS, FL 33410 | NORTHWESTERN MUTUAL | $1K | $411 | $2K | 1.41% |
| IAN MAXWELL GORDON3 | 1515 S. FEDERAL HWY SUITE 208 BOCA RATON, FL 33432 | NORTHWESTERN MUTUAL | $1K | $620 | $2K | 4.67% |
| ARMOND F. REGGIO3 | 3300 PGA BLVD SUITE 400 PALM BEACH GARDENS, FL 33410 | NORTHWESTERN MUTUAL | $1K | $367 | $2K | 4.10% |
| STRIANO FNCL GRP LLC3 Filed as: STRIANO FNCL GROUP, LLC | 1515 S. FEDERAL HWY STE 208 BOCA RATON, FL 33432 | NORTHWESTERN MUTUAL | $437 | $52 | $489 | 1.10% |
| JONATHAN MARK WARNER3 | 3300 PGA BLVD SUITE 400 PALM BEACH GARDENS, FL 33410 | NORTHWESTERN MUTUAL | $146 | $52 | $198 | 0.44% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 669 RIVER DR. STE 305 ELMWOOD PARK, NJ 074071361 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $750 | $2K | 5.05% |
| GARRY LYNN JOHNSON3 | 3850 BASELINE RD STE 121 MESA, AZ 852064404 | PRINCIPAL LIFE INSURANCE COMPANY | $729 | — | $729 | 2.00% |
| GARY F.ZALIS3 | PO BOX 1338 MARLTON, NJ 080532029 | PRINCIPAL LIFE INSURANCE COMPANY | $302 | — | $302 | 0.83% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 100 PINEWOOD LANE SUITE 301 WARRENDALE, PA 15086 | HIGHMARK | $420 | — | $420 | 5.01% |
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 | 120 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 66 | $564K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 120 | $36K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 64 | $130K |
| Life insurance | NORTHWESTERN MUTUAL | 96 | $45K |
| Long-term disability | NORTHWESTERN MUTUAL | 96 | $110K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 11 | $121K |
| Other | UPMC HEALTH OPTIONS | 66 | $474K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.