| 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 | $82K | — | $82K | 15.24% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 1787 SENTRY PARKWAY W VEVA 16 STE 3 BLUE BELL, PA 19422 | GAURDIAN | $876 | $654 | $2K | 8.74% |
| ALLIANCE DIGITAL3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | ACE AMERICAN INSURANCE COMPANY | $14K | — | $14K | — |
| LAKESHORE BENEFITS3 | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE COMPANY | $7K | — | $7K | — |
| COVENANT ADMINISTRATORS LLC5 | 2810 PREMIERE PKWY STE 400 DULUTH, GA 30097 | ACE AMERICAN INSURANCE COMPANY | — | $7K | $7K | — |
| SURETY MARKETING & CONSULTING0 Filed as: SURETY MAKETING & CONSULTING | 4246 CLUB COURSE DR N CHARLESTON, SC 29420 | ACE AMERICAN INSURANCE COMPANY | — | $6K | $6K | — |
| RECURO HEALTH INC0 | 309 N WASHINGTON AVE BRYAN, TX 778035369 | ACE AMERICAN INSURANCE COMPANY | $1K | — | $1K | — |
| LBA SERVICE LLC3 Filed as: LBA SERVICES | 1510 SMOLIAN PLACE BIRMINGHAM, AL 35205 | ACE AMERICAN INSURANCE COMPANY | $1K | — | $1K | — |
| BENEFITS FOR EVERYONE0 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | ACE AMERICAN INSURANCE COMPANY | $570 | — | $570 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | 795 WOODLANDS PARKWAY RIDGELAND, MS 39157 | $338K |
| RSC INSURANCE BROKERAGE INC EIN 16-1689464 BROKER | Other commissions Service code 55 | 160 FEDERAL STREET BOSTON, MA 02110 | $131K |
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 | 553 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHEILD | 102 | $347K |
| Dental | GUARDIAN | 553 | $537K |
| Vision | GUARDIAN | 553 | $537K |
| Life insurance | GUARDIAN | 553 | $537K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 553 | $555K |
| Long-term disability | GUARDIAN | 553 | $537K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHEILD | 402 | $347K |
| Stop-loss / reinsurancereinsurance | BENEFITSMALL-BERKSHIRE | 402 | $601K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 553 | $884K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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.