| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | GUARDIAN | $4K | — | $4K | 5.00% |
| EMERSON REID LLC3 | 1305 WALT WHITMON ROAD SUITE 310 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $6K | $2K | $8K | 14.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 470 PARK AVE SOUTH FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | — | $3 | $3 | 0.01% |
| RADNOR BENEFITS GROUP INC3 | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.02% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | PRINCIPAL LIFE INSURANCE COMPANY | $793 | — | $793 | 4.01% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP INC. | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.49% |
| RADNOR BENEFITS GROUP INC3 | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.02% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | PRINCIPAL LIFE INSURANCE COMPANY | $549 | — | $549 | 4.01% |
| RADNOR BENEFITS GROUP INC3 | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | HARTFORD LIFE AND ACCIDENT | $8 | — | $8 | 10.00% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 99 | $78K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 185 | $14K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 215 | $55K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 130 | $14K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 130 | $20K |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 215 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.