| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC | ATTN COMMISSIONS DEPARTMENT BLUE BELL, PA 19422 | GEISINGER QUALITY OPTIONS, INC. | $8K | $6 | $8K | 2.60% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC | ATTN COMMISSIONS DEPARTMENT BLUE BELL, PA 19422 | GEISINGER HEALTH PLAN | $8K | $6 | $8K | 4.29% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | HIGHMARK | $5K | — | $5K | 3.29% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE VALHALLA, NY 10595 | GUARDIAN LIFE INSURANCE CO. | $3K | $2K | $5K | 11.76% |
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 | 66 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 66 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | GEISINGER QUALITY OPTIONS, INC. | 38 | $630K |
| Dental | GUARDIAN LIFE INSURANCE CO. | 59 | $42K |
| Vision | GUARDIAN LIFE INSURANCE CO. | 59 | $42K |
| Prescription drug | HIGHMARK | 15 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 59 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.