| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVANS PANCOAST3 | 237 W. LANCASTER AVE, SUITE 251 DEVON, PA 19333 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $64K | $66K | 5.89% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1305 WALT WHITMAN RD, STE 310 MELVILLE, NY 11747 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.40% |
| EVANS PANCOAST3 | 237 LANCASTER AVE., SUITE 251 DEVON, PA 19333 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $3K | $18K | 7.56% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 630 W. GERMANTOWN PIKE, STE. 215 PLYMOUTH MEETING, PA 19462 | UPMC HEALTH OPTIONS | $805 | — | $805 | 3.12% |
| FELGOISE CONSULTING3 | 466 GERMANTOWN PIKE, STE 204 LAFAYETTE HILL, PA 19444 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $672 | — | $672 | 2.82% |
| MANAGED CARE CONSULTANTS3 | 237 LANCASTER AVE., SUITE 251 DEVON, PA 19333 | AVMED | $681 | — | $681 | 3.81% |
| FELGOISE CONSULTING3 | 466 GERMANTOWN PIKE, STE 204 LAFAYETTE HILL, PA 19444 | GEISINGER QUALITY OPTIONS, INC. | $210 | $15 | $225 | 3.17% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 261 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $237K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 261 | $1.1M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $237K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $237K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $237K |
| Prescription drug(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 261 | $1.2M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.