| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 167 ARCHER RD FACTORYVILLE, PA 18419 | GUARDIAN | $3K | $2K | $5K | 9.42% |
| EMERSON REID LLC3 | 1305 WALT WHITMON ROAD SUITE 310 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $4K | $2K | $6K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 470 PARK AVE SOUTH FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 2.66% |
| RADNOR BENEFITS GROUP INC3 | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| EMERSON REID LLC3 | 669 RIVER DR SUITE 305 ELMWOOD PARK, NJ 07407 | PRINCIPAL LIFE INSURANCE COMPANY | $871 | $105 | $976 | 4.48% |
| RADNOR BENEFITS GROUP INC3 | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| EMERSON REID LLC3 | 669 RIVER DR SUITE 305 ELMWOOD PARK, NJ 07407 | PRINCIPAL LIFE INSURANCE COMPANY | $605 | $73 | $678 | 4.48% |
| 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 | 9.77% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 261 MADISON AVE SUITE 602 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | — |
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 | 158 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 114 | $56K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 215 | $14K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 485 | $43K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 139 | $15K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 139 | $22K |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 485 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 485 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.