| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS CONSULTANTS3 | 682 NORTH BROOKSIDE RD ALLENTOWN, PA 18106 | AETNA | $3K | $0 | $3K | 5.82% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | THE EMPIRE STATE BUILDING NEW YORK, NY 10118 | AETNA | $2K | $0 | $2K | 3.64% |
| RITTENHOUSE BENEFITS LLC3 Filed as: RITTENHOUSE BENEFITS | 1800 JFK BLVD PHILADELPHIA, PA 19103 | AETNA | $1K | $0 | $1K | 2.56% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | AETNA | $734 | $0 | $734 | 1.60% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $786 | $2K | 13.84% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 1465 E JOYCE BLVD FAYETTEVILLE, AK 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $131 | $0 | $131 | 0.77% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $695 | $2K | 13.85% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 1465 E JOYCE BLVD FAYETTEVILLE, AK 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $116 | $0 | $116 | 0.77% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $519 | $2K | 13.84% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 1465 E JOYCE BLVD FAYETTEVILLE, AR 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $87 | $0 | $87 | 0.77% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $917 | $459 | $1K | 13.69% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 1465 E JOYCE BLVD FAYETTEVILLE, AK 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $88 | $0 | $88 | 0.88% |
| THE BENECON GROUP3 | 201 E OREGON RD STE 100 LITITZ, PA 17543 | HIGHMARK, INC | $403 | $0 | $403 | 5.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 115 SOUTH CENTRE STREET POTTSVILLE, PA 17901 | HIGHMARK, INC | $38 | $0 | $38 | 0.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $25K |
| EMPLOYEE BENEFITS CONSULTANTS, LLC BROKER | Claims processing Service code 12 | 115 SOUTH CENTRE STREET POTTSVILLE, PA 17901 | $19K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Claims processing Service code 12 | — | $18K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $3K |
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 | 88 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA | 64 | $46K |
| Vision | HIGHMARK, INC | 61 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 88 | $11K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 88 | $17K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 88 | $15K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 74 | $155K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 88 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 88 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.