| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP, INC | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | HIGHMARK DELAWARE | $101K | — | $101K | 4.24% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 1.86% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.68% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $64 | — | $64 | 0.03% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.42% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $247 | — | $247 | 0.62% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $247 | $247 | 0.62% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.86% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $278 | $278 | 0.77% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $111 | — | $111 | 0.31% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.29% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $195 | — | $195 | 0.79% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $154 | $154 | 0.62% |
| ASSUREDPARTNERS3 Filed as: RADNOR BENFITS GROUP INC | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 5.00% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $558 | — | $558 | 7.67% |
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 | 326 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK DELAWARE | 418 | $2.4M |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 336 | $188K |
| Vision | VISION BENEFITS OF AMERICA | 316 | $21K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 309 | $25K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 498 | $7K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 312 | $40K |
| Prescription drug | HIGHMARK DELAWARE | 418 | $2.4M |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 309 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 498 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.