| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 630 WEST GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | $83K | $3K | $87K | 5.18% |
| FIRST BUCKS LLC3 | 1717 LANGHORNE NEWTON ROAD SUITE 403 LANGHORNE, PA 19047 | STANDARD INSURANCE COMPANY | $17K | $0 | $17K | 12.04% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 4.34% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 5200 NORTH PALM AVENUE SUITE 114 FRESNO, CA 93704 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 0.70% |
| FIRST BUCKS LLC3 | 1717 LANGHORNE NEWTON ROAD SUITE 403 LANGHORNE, PA 19047 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | -$95 | $9K | 7.46% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS, LLC | 400 BERYWN PARK, SUITE 200 BERYWN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $5K | $5K | 4.28% |
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 | 158 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 390 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 238 | $122K |
| Vision | STANDARD INSURANCE COMPANY | 158 | $143K |
| Life insurance | STANDARD INSURANCE COMPANY | 158 | $143K |
| Short-term disability | STANDARD INSURANCE COMPANY | 158 | $143K |
| Long-term disability | STANDARD INSURANCE COMPANY | 158 | $143K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 390 | $1.7M |
| Other | STANDARD INSURANCE COMPANY | 158 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.