| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 4507 N FRONT ST HARRISBURG, PA 17110 | HIGHMARK | $27K | — | $27K | 3.03% |
| ERIC SEAN ELLIOTT3 | 1755 MERCER NEW WILMINGTON RD NEW WILMINGTON, PA 161421915 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $8K | $10K | 2.70% |
| PRESTON GRAFTON LLC3 | 2012 MURRAY AVE PITTSBURGH, PA 152172104 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $8K | $10K | 2.70% |
| EMERSON REID LLC3 | 630 W GERMANTOWN PIKE STE 215 PLYMOUTH MEETING, PA 194621069 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $1K | $1K | 0.32% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE RD. STE H1 NEW CASTLE, PA 16105 | COMPANION LIFE INSURANCE COMPANY | $9K | $63 | $9K | 13.34% |
| ERIC SEAN ELLIOTT3 Filed as: ERIC S. ELLIOTT | 1755 MERCER NEW WILMINGTON ROAD NEW WILMINGTON, PA 16142 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 2.50% |
| PRESTON GRAFTON LLC3 Filed as: PRESTON AND GRAFTON LLC | 2012 MURRAY AVE PITTSBURGH, PA 15217 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 2.50% |
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 | 302 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK | 419 | $1.2M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 46 | $63K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 46 | $63K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 302 | $70K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 302 | $70K |
| Prescription drug | HIGHMARK | 103 | $883K |
| Other | COMPANION LIFE INSURANCE COMPANY | 302 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.