| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 194222239 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | $11 | $57K | 5.53% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST FL 4 BOSTON, MA 021101700 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13K | $13K | 1.25% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 194222239 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $11 | $40K | 4.93% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST FL 4 BOSTON, MA 021101700 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 0.99% |
| MANNING JERRY3 | 167 N GREEN STREET CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47K | — | $47K | 26.70% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS, LLC | 2189 N ILLINOIS ROUTE 83 #110 ROUND LAKE BEACH, IL 60073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 6.72% |
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 | 1,291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 6 | $52K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 6 | $52K |
| Vision | EYEMED | 2,268 | $114K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,970 | $984K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,542 | $1.1M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 6 | $52K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,970 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,268 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.