| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY | 1787 SENTRY PARKWAY WEST, SUITE 320 VEVA BLDG 16 BLUE BELL, PA 19422 | ACCURISK SOLUTIONS LLC | $5K | $0 | $5K | 2.01% |
| BENPRO, LLC3 | 2001 LAKESHORE DRIVE MANDEVILLE, LA 70448 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $0 | $25K | 14.83% |
| BENPRO, LLC3 | 2001 LAKESHORE DRIVE MANDEVILLE, LA 70448 | UNITEDHEALTHCARE INSURANCE COMPANY | $665 | $0 | $665 | 10.06% |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 98 | $168K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 98 | $168K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 98 | $168K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 98 | $168K |
| Prescription drug | ACCURISK SOLUTIONS LLC | 65 | $247K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 98 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98 | — |
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.