| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMMERSON REID & CO | 600 CRANBERRY WOODS DRIVE SUITE 190 CRANBERRY TWP, PA 16066 | UPMC HEALTH OPTIONS | $15K | — | $15K | 2.95% |
| EMERSON REID LLC3 Filed as: EMMERSON REID & CO | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $7K | — | $7K | 3.01% |
| EMERSON REID LLC Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $5K | — | $5K | 2.97% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 103 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | — | — | $0 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA ARMS | 965 GREENTREE ROAD SUITE 110 P O BOX 4 PITTSBURGH, PA 152203353 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $723 | $2K | 7.22% |
| SMC INSURANCE AGENCY, INC.3 Filed as: SMC INSURANCE AGENCY | 600 CRANBERRY WOODS DRIVE SUITE 190 CRANBERRY TWP, PA 16066 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.45% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $734 | — | $734 | 2.71% |
| EMERSON REID LLC Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $746 | — | $746 | 2.97% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $2K | — | $2K | 8.90% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $562 | — | $562 | 8.57% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 103 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $411 | — | $411 | 8.44% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 103 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $392 | — | $392 | 9.03% |
| EMERSON REID LLC3 Filed as: EMMERSON REID & CO | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $200 | — | $200 | 5.83% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 103 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $155 | — | $155 | 6.05% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 103 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $114 | — | $114 | 8.65% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 103 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $60 | — | $60 | 9.92% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $25 | — | $25 | 8.80% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 103 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $23 | — | $23 | 8.10% |
| EMERSON REID LLC Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 103 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $3 | — | $3 | 8.57% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | — | — | $0 | — |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | — | — | $0 | — |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | — | $0 | — |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | — | $0 | — |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | — | $0 | — |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $3 | — | $3 | — |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | EMERSON REID CO SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | — | $0 | — |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | — | $0 | — |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | — | $0 | — |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 103 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | — | $0 | — |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 103 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | — | $0 | — |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 103 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | — | $0 | — |
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 | 177 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | UPMC HEALTH OPTIONS | 85 | $750K |
| Dental(20 contracts) | UPMC HEALTH BENEFITS | 76 | $46K |
| Vision(15 contracts) | UPMC HEALTH BENEFITS | 76 | $42K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 0 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 85 | — |
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.