| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $14K | — | $14K | 3.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $8K | — | $8K | 3.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $7K | — | $7K | 3.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $3K | — | $3K | 3.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $3K | — | $3K | 3.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $3K | — | $3K | 3.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $2K | — | $2K | 3.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $1K | — | $1K | 3.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $4K | — | $4K | 10.33% |
| EMERSON REID LLC3 | 350 5TH AVE., STE. 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 15.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $2K | — | $2K | 6.95% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $2K | — | $2K | 9.56% |
| EMERSON REID LLC3 | 350 5TH AVE., STE. 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $868 | $3K | 19.32% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $1K | — | $1K | 8.77% |
| EMERSON REID LLC3 | 305 5TH AVE., STE. 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $550 | $2K | 20.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $309 | — | $309 | 3.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $253 | — | $253 | 3.00% |
| EMERSON REID LLC3 | 350 5TH AVE., STE. 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $706 | $353 | $1K | 15.01% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $360 | — | $360 | 10.04% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $90 | — | $90 | 6.98% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $16 | — | $16 | 4.57% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts) | UPMC HEALTH OPTIONS | 98 | $1.4M |
| Dental(7 contracts) | UPMC HEALTH BENEFITS | 252 | $98K |
| Vision(7 contracts) | UPMC HEALTH BENEFITS | 252 | $98K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $7K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $23K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $17K |
| Other(12 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 146 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.