| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: SIMKISS & BLOCK, AN ALERA GROUP AGY | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $66K | $79K | 6.69% |
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK, | AN ALERA GROUP AGENCY L 1041 OLD CASSATT ROAD BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.10% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG 16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $449 | — | $449 | 2.78% |
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK, | AN ALERA GROUP AGENCY L 1041 OLD CASSATT ROAD BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG 16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $461 | — | $461 | 3.63% |
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK, | AN ALERA GROUP AGENCY L 1041 OLD CASSATT ROAD BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG 16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $419 | — | $419 | 3.63% |
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK, | AN ALERA GROUP AGENCY L 1041 OLD CASSATT ROAD BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $632 | — | $632 | 11.50% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG 16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $151 | — | $151 | 2.75% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 193 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 193 | $1.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 193 | $1.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 173 | $16K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 144 | $13K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 144 | $12K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 173 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.