| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 630 WEST GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $61K | $0 | $61K | 3.46% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1501 REEDSDALE STREET SUITE 3005 PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $5K | $41K | 17.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 12.02% |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 346 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $98K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $98K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $238K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $238K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $238K |
| Prescription drug | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 346 | $1.8M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.