| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMG BRICKELL INC3 | 1111 PARK CENTRE BLVD STE 401 MIAMI GARDENS, FL 331695344 | UNITEDHEALTHCARE INSURANCE COMPANY | -$5 | — | -$5 | -0.00% |
| EMBROOK BENEFITS CONSULTING, LLC3 Filed as: EMBROOK BENEFITS CONSULTING LLC | 1601 MEADOWBROOK RD MEADOWBROOK, PA 190461012 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$41 | -$41 | -0.00% |
| KMRD PARTNERS3 Filed as: KMRD PARTNERS, INC. | 2600 KELLY RD SUITE 120 WARRINGTON, PA 189763652 | UNITEDHEALTHCARE INSURANCE COMPANY | -$84K | $5K | -$79K | -2.64% |
| EMERSON REID LLC3 | 350 5TH AVE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $8K | $17K | 18.96% |
| EMERSON REID LLC3 | 350 5TH AVE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $6K | $12K | 18.59% |
| EMERSON REID LLC3 | 350 5TH AVE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $5K | $10K | 19.76% |
| KMRD PARTNERS3 | 2600 KELLY ROAD SUITE 120 WARRINGTON, PA 18976 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 15.71% |
| MARY C SIMINOVSKY3 Filed as: MARY KILIAN | 6164 WOOD LAKE ROAD JUPITER, FL 33458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 15.43% |
| MATTHEW T O'HANLON3 Filed as: MATTHEW THOMAS O HANLON | 101 W ELM ST STE 420 CONSHOHOCKEN, PA 19428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 7.65% |
| MARGARET PEARSON3 Filed as: MARGARET ANN PEARSON | 1 BAY HARBOR RD JUPITER, FL 33469 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 6.72% |
| L A D FINANCIAL CORP3 | 3000 S HIGHWAY A1A UNIT 202 JUPITER, FL 33477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.09% |
| STEPHANIE A CANFIELD3 Filed as: STEPHANIE CANFIELD | 425 FAYETTE ST #978 CONSHOHOCKEN, PA 19428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $642 | — | $642 | 1.77% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION LLC - JULI | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 7.95% |
| KMRD PARTNERS3 Filed as: KMRD PARTNERS INC | 2600 KELLY ROAD SUITE 120 WARRINGTON, PA 18976 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 6.96% |
| EMERSON REID LLC3 | 350 5TH AVE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $3K | 19.12% |
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 | 522 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,008 | $3.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,008 | $3.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,008 | $3.0M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 522 | $63K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $65K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 522 | $88K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,008 | $3.0M |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 522 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,008 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.