| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| APERTURE CONSULTING, LLC3 Filed as: APERTURE CONSULTING | 210 WEST HAMILTON AVENUE STATE COLLEGE, PA 16801 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $15K | $0 | $15K | 1.05% |
| APERTURE CONSULTING, LLC3 Filed as: APERTURE CONSULTING | 210 WEST HAMILTON AVENUE SUITE 327 STATE COLLEGE, PA 16801 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 9.68% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $9K | 18.91% |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 229 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $48K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $48K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 201 | $71K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 201 | $71K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 201 | $71K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 229 | $1.5M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 201 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.