| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 630 W GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK | $96K | — | $96K | 2.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | HIGHMARK | $81K | — | $81K | 2.18% |
| EMERSON REID LLC3 | 630 W GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK | $29K | — | $29K | 2.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | HIGHMARK | $24K | — | $24K | 2.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $13K | — | $13K | 4.95% |
| EMERSON REID LLC3 | 630 W GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $6K | — | $6K | 2.50% |
| CAPUTO INSURANCE AGENCY3 | P O BOX 350 BEAVER FALLS, PA 15010 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 4.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 2.66% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | VISION BENEFITS OF AMERICA | $663 | — | $663 | 1.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $14 | — | $14 | 3.88% |
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 | 331 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 978 | $3.7M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 811 | $256K |
| Vision(2 contracts) | VISION BENEFITS OF AMERICA | 299 | $50K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 457 | $163K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 457 | $163K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 457 | $163K |
| Prescription drug | HIGHMARK | 978 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 978 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.