| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFICIAL INSURANCE SERVICES LLC3 Filed as: BENEFICIAL INS SERVICES | 1818 MARKET STREET 21ST FLOOR PHILADELPHIA, PA 19106 | OXFORD | $93K | — | $93K | 3.17% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 1787 SENTRY PKWY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | OXFORD | $13K | — | $13K | 0.45% |
| EMERSON REID LLC3 Filed as: EMERSON REID NJ | 400 POST AVE WESTBURY, NY 11590 | HORIZON HEALTHCARE SERVICES, INC. | $52K | — | $52K | 2.21% |
| BENEFICIAL INSURANCE SERVICES LLC3 | 2 CAMPUS BLVD NEWTON SQUARE, PA 19073 | AETNA LIFE INSURANCE COMPANY | $13K | — | $13K | 4.94% |
| BENEFICIAL INSURANCE SERVICES LLC3 Filed as: BENEFICIAL INS SERVICES | 1818 MARKET STREET SUITE 2100 PHILADELPHIA, PA 19103 | THE GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.30% |
| INDEPENDENCE PLANNING GROUP3 | 1767 SENTRY PKWY WEST SUITE 311 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY | $31 | — | $31 | 0.04% |
| BENEFICIAL INSURANCE SERVICES LLC3 | SUITE 2100 1818 MARKET STREET PHILADELPHIA, PA 19103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 11.34% |
| BENEFICIAL INSURANCE SERVICES LLC3 Filed as: BENEFICIAL INS SVCS LLC | SUITE 2100 1818 MARKET STREET PHILADELPHIA, PA 19103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 12.17% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $54 | $54 | 0.09% |
| BENEFICIAL INSURANCE SERVICES LLC3 | 1818 MARKET STREET SUITE 2100 PHILADELPHIA, PA 19103 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 8.18% |
| EMERSON REID LLC3 | 669 RIVER DR SUITE 305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $166 | — | $166 | 1.16% |
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 | 876 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 876 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD | 444 | $5.3M |
| Dental(3 contracts, 3 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 942 | $2.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 223 | $14K |
| Life insurance(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 942 | $401K |
| Long-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 278 | $129K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 149 | $2.3M |
| Other(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 942 | $401K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 942 | — |
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."
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.