| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KMRD PARTNERS3 Filed as: KMRD PARTNERS, INC. | 2600 KELLY RD SUITE 120 WARRINGTON, PA 18976 | UNITEDHEALTHCARE INSURANCE COMPANY | $119K | — | $119K | 4.58% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC - SOUTH FL | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | -$6 | — | -$6 | -0.00% |
| AMG BRICKELL INC3 Filed as: AMG BRICKELL, INC. | 1111 PARK CENTRE BLVD SUITE 401 MIAMI GARDENS, FL 33169 | UNITEDHEALTHCARE INSURANCE COMPANY | -$23 | -$42 | -$65 | -0.00% |
| EMBROOK BENEFITS CONSULTING, LLC3 Filed as: EMBROOK BENEFITS CONSULTING LLC | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | UNITEDHEALTHCARE INSURANCE COMPANY | -$66 | -$332 | -$398 | -0.02% |
| EMERSON REID LLC3 | 350 5TH AVE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $4K | $12K | 15.00% |
| EMERSON REID LLC3 | 350 5TH AVE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 15.00% |
| EMERSON REID LLC3 | 350 5TH AVE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 15.00% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 8.92% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $632 | — | $632 | 4.62% |
| KMRD PARTNERS3 Filed as: KMRD PARTNERS INC | 2600 KELLY ROAD SUITE 120 WARRINGTON, PA 18976 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $458 | — | $458 | 3.35% |
| EMERSON REID LLC3 | 350 5TH AVE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $623 | $2K | 15.00% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $288 | — | $288 | 4.49% |
| EMBROOK BENEFITS CONSULTING, LLC3 | 1601 MEADOWBROOK ROAD MEADOWBROOK, PA 19046 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $257 | — | $257 | 4.50% |
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 | 501 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 509 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 552 | $2.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 552 | $2.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 552 | $2.6M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 501 | $60K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $53K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 501 | $78K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 552 | $2.6M |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 501 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 552 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.