| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 Filed as: DONALD C. SAVOY ASSOCIATES | 25B HANOVER RD FLORHAM PARK, NJ 07932 | INDEPENDENCE BLUE CROSS | $81K | $5K | $86K | 5.01% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP, INC | 325 CHESTNUT ST PHILADELPHIA, PA 19106 | METROPLOITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 5.24% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC. | 1787 SENTRY PKWY BLUE BELL, PA 19422 | METROPLOITAN LIFE INSURANCE COMPANY | $5K | $11 | $5K | 4.92% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVERE DRIVE CENTER II SUITE 305 ELMWOOD PARK, PA 07407 | METROPLOITAN LIFE INSURANCE COMPANY | $0 | $234 | $234 | 0.23% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFIT GROUP | 325 CHESTNUT ST PHILADELPHIA, PA 19106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 13.05% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | 325 CHESTNUT ST PHILADELPHIA, PA 19106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $476 | $476 | 1.02% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFIT GROUP | 325 CHESTNUT ST PHILADELPHIA, PA 19106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $912 | $3K | 13.53% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | 325 CHESTNUT ST PHILADELPHIA, PA 19106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $304 | $304 | 1.18% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFIT GROUP | 325 CHESTNUT ST PHILADELPHIA, PA 19106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $463 | $363 | $826 | 17.85% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | 325 CHESTNUT ST PHILADELPHIA, PA 19106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $88 | $88 | 1.90% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 134 | $1.7M |
| Dental | METROPLOITAN LIFE INSURANCE COMPANY | 243 | $100K |
| Vision | INDEPENDENCE BLUE CROSS | 134 | $1.7M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $5K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $47K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $26K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 134 | $1.7M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.