| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENESERV, INC.3 Filed as: BENESERV INC. | 15 EAST FRONT STREET MEDIA, PA 19063 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $245K | $245K | 4.90% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE, CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $95K | $95K | 1.91% |
| BENESERV, INC.3 Filed as: BENESERV INC. | 15 EAST FRONT STREET MEDICA, PA 19063 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $30K | $0 | $30K | 9.93% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE, CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $10K | $10K | 3.37% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTION | 24 EAST 2ND STREET, 1ST FLOOR MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $6K | $16K | 7.54% |
| BENESERV, INC.3 Filed as: BENESERV CORPORATE BENEFITS | 15 EAST FRONT STREET MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 4.12% |
| BENESERV, INC.3 Filed as: BENESERV INC. | 15 EAST FRONT STREET MEDICA, PA 19063 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $291 | $0 | $291 | 9.15% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $145 | $145 | 4.56% |
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 | 509 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | 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) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 797 | $5.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 511 | $300K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 511 | $300K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 509 | $218K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 509 | $215K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 509 | $215K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 797 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 797 | — |
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.
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.