| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $104K | — | $104K | 4.01% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | -$120 | -$120 | -0.00% |
| FIRST BUCKS LLC3 | 1717 LANGHORNE NEWTOWN ROAD LANGHORN, PA 19047 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$193 | — | -$193 | -0.01% |
| MICHAEL HAND3 | 100 CORPORATE POINTE, SUITE 210 CULVER CITY, CA 90230 | DELTA DENTAL OF PENNSYLVANIA | $17K | — | $17K | 10.00% |
| MICHAEL HAND3 | 100 CORPORATE POINTE, SUITE 210 CULVER CITY, CA 90230 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 8.26% |
| MICHAEL HAND3 | 100 CORPORATE POINTE, SUITE 210 CULVER CITY, CA 90230 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 8.26% |
| MICHAEL HAND3 | 100 CORPORATE POINTE, SUITE 210 CULVER CITY, CA 90230 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 8.26% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 11.80% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $414 | $2K | 8.54% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 20.01% |
| MICHAEL HAND3 | 100 CORPORATE POINTE, SUITE 210 CULVER CITY, CA 90230 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.24% |
| MICHAEL HAND3 | 100 CORPORATE POINTE, SUITE 210 CULVER CITY, CA 90230 | METROPOLITAN LIFE INSURANCE COMPANY | $784 | — | $784 | 10.50% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $196 | $213 | $409 | 5.48% |
| MICHAEL HAND3 | 100 CORPORATE POINTE, SUITE 210 CULVER CITY, CA 90230 | METLIFE LEGAL PLANS | $620 | — | $620 | 9.93% |
| MICHAEL HAND3 | 100 CORPORATE POINTE, SUITE 210 CULVER CITY, CA 90230 | METROPOLITAN LIFE INSURANCE COMPANY | $324 | — | $324 | 6.28% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $81 | $91 | $172 | 3.33% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 171 | $2.6M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 334 | $198K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 334 | $29K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 167 | $79K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 167 | $73K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 167 | $78K |
| Other(6 contracts, 5 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 175 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.