| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $27K | $27K | 3.11% |
| WESBANCO INS SERVICES INC3 Filed as: WESBANCO INS SVCS INC | PO BOX 756 MORGANTOWN, WV 265070756 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.68% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 194222240 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $886 | $3K | 5.65% |
| WESBANCO INSURANCE SERVICES INC3 | 2100 NATIONAL ROAD WHEELING, WV 26062 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $26 | $26 | 0.20% |
| WESBANCO INSURANCE SERVICES INC3 | 2100 NATIONAL ROAD WHEELING, WV 26003 | EYEMED VISION CARE | $746 | — | $746 | 6.78% |
| WESBANCO INSURANCE SERVICES INC3 | 2100 NATIONAL ROAD WHEELING, WV 26062 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $170 | — | $170 | 10.02% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $4 | $4 | 0.24% |
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 | 176 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 125 | $855K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 224 | $48K |
| Vision | EYEMED VISION CARE | 159 | $11K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 176 | $13K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 176 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
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.