| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $223K | $0 | $223K | 2.81% |
| BENEFICIAL INSURANCE SERVICES LLC3 | DBA CLA INSURANCE AGENCY 1818 MARKET STREET, SUITE 21 PHILADELPHIA, PA 191033612 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $5K | $12K | 4.45% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS, INC. | 200 WEST BALTIMORE AVENUE MEDIA, PA 19063 | AETNA LIFE INSURANCE COMPANY | $0 | $58K | $58K | 28.24% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS, INC. | 24 EAST SECOND STREET, 1ST FLOOR MEDIA, PA 19063 | AETNA LIFE INSURANCE COMPANY | $26K | $0 | $26K | 12.61% |
| BENEFICIAL INSURANCE SERVICES LLC3 | 1818 MARKET STREET, SUITE 2100 PHILADELPHIA, PA 19103 | AETNA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.67% |
| BENEFICIAL INSURANCE SERVICES LLC3 | DBA CLA INSURANCE AGENCY 1818 MARKET STREET, SUITE 21 PHILADELPHIA, PA 191033612 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $4K | $740 | $5K | 11.63% |
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 | 647 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 647 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 838 | $7.9M |
| Dental(3 contracts, 3 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 961 | $8.2M |
| Vision(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 961 | $8.2M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 961 | $482K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 647 | $207K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 838 | $7.9M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 961 | $482K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 961 | — |
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.