| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY, INC. | 2 PAOLI OFFICE PARK PO BOX 1787 PAOLI, PA 19301 | OXFORD HEALTH INSURANCE, INC. | $39K | — | $39K | 2.01% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP INC. | 1550 LIBERTY RIDGE DRIVE, STE 250 WAYNE, PA 19087 | OXFORD HEALTH INSURANCE, INC. | $37K | — | $37K | 1.93% |
| EMERSON REID LLC3 | 167 ARCHER RD FACTORYVILLE, PA 18419 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $4K | $18K | 11.15% |
| RADNOR BENEFITS GROUP INC3 | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $558 | $3K | 10.02% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 669 RIVER DRIVE CENTER II SUITE 305 ATTN EDNA RODDA ELMWOOD, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $2K | $3K | 9.49% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY INC | PO BOX 1787 PAOLI, PA 19301 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.25% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY, INC | PO BOX 1787 PAOLI, PA 19301 | EYE MED | $906 | — | $906 | 5.89% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP, INC. | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | EYE MED | $486 | — | $486 | 3.16% |
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 | 483 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 328 | $1.9M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 491 | $159K |
| Vision | EYE MED | 239 | $15K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 491 | $159K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 483 | $33K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 328 | $1.9M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 491 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.