| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | COMMISSIONS DEPARTMENT 1787 SENTRY PKWY W VEVA 16 STE BLUEBELL, PA 19422 | HM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| EMERSON REID LLC | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUEBELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 13.49% |
| HUGH JEFFREY SNEDDON3 | WYNNEWOOD PLANNING CORP 178 MYRTLE BLVD STE 106 LARCHMONT, NY 10538 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $35 | $4K | 13.22% |
| MICHAEL A BOOK3 | 90 PARK AVE FL 17 NEWYORK, NY 10016 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $723 | $460 | $1K | 3.88% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | SUITE 310 1305 WALT WHITMAN RD MELVILLE, NY 11747 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $794 | — | $794 | 5.00% |
| ANTHEM INSURANCE COMPANIES, INC.0 Filed as: ANTHEM INSURANCE COMPANIES, INC | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 46204 | FOUR EVER LIFE INS CO | — | $222 | $222 | 3.99% |
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 | 252 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPLOYEE HEALTH INSURANCE MANAGEMENT , INC. | 157 | $23K |
| Dental(2 contracts, 2 carriers) | MERITAIN HEALTH | 251 | $141K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 251 | $44K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 251 | $44K |
| Long-term disability | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 25 | $30K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 155 | $495K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 252 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.