| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIC SEAN ELLIOTT3 | 1755 MERCER NEW WILMNINGTON RD NEW WILMINGTON, PA 16142 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $17K | $18K | 2.14% |
| PRESTON GRAFTON LLC3 | 2012 MURRAY AVE PITTSBURGH, PA 152172104 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $17K | $18K | 2.14% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1350 WALT WHITMAN RD #310 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.43% |
| EMERSON REID LLC3 | 630 W GERMANTOWN PIKE STE 215 PLYMOUTH MEETING, PA 19462 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 0.28% |
| EMERSON REID LLC3 | 630 W GERMANTOWN PIKE STE 215 PLYMOUTH MEETING, PA 19462 | UPMC HEALTH OPTIONS | $10K | — | $10K | 3.05% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE RD. STE H1 NEW CASTLE, PA 16105 | COMPANION LIFE INSURANCE COMPANY | $7K | $37 | $7K | 15.92% |
| EMERSON REID LLC3 | 630 W GERMANTOWN PIKE STE 215 PLYMOUTH MEETING, PA 19462 | UPMC HEALTH BENEFITS | $1K | — | $1K | 5.81% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 286 | $1.2M |
| Dental | UPMC HEALTH BENEFITS | 199 | $19K |
| Vision | UPMC HEALTH BENEFITS | 199 | $19K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 178 | $43K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 178 | $43K |
| Prescription drug | UPMC HEALTH OPTIONS | 171 | $319K |
| Other | COMPANION LIFE INSURANCE COMPANY | 178 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.