| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID | 1787 SENTRY PARKWAY W VEVA 16 STE 3 BLUE BELL, PA 19422 | GUARDIAN | $74K | — | $74K | 15.77% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 1787 SENTRY PARKWAY W VEVA 16 STE 3 BLUE BELL, PA 19422 | GAURDIAN | $808 | $497 | $1K | 8.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | 795 WOODLANDS PARKWAY RIDGELAND, MS 39157 | $309K |
| RSC INSURANCE BROKERAGE INC EIN 16-1689464 BROKER | Other commissions Service code 55 | 160 FEDERAL STREET BOSTON, MA 02110 | $118K |
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 | 507 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHEILD | 86 | $265K |
| Dental | GUARDIAN | 499 | $471K |
| Vision | GUARDIAN | 499 | $471K |
| Life insurance | GUARDIAN | 499 | $471K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 507 | $487K |
| Long-term disability | GUARDIAN | 499 | $471K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHEILD | 371 | $265K |
| Stop-loss / reinsurancereinsurance | BENEFITSMALL-BERKSHIRE | 365 | $557K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 499 | $736K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.