| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUEBELL, PA 19422 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 5.28% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $7K | $7K | 3.64% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFIT LLC | 1166 AVE OF AMERICAS 23F NEWYORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 38-1082080 | Claims processing Service code 12 | — | $17K |
| EMERSON REID LLC | Insurance agents and brokers; Other commissions Service code 22 | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUEBELL, PA 19422 | $1K |
| USI INSURANCE SERVICES LLC | Insurance agents and brokers; Other commissions Service code 22 | PO 62939 VIRGINIA BEACH, VA 23466 | $681 |
| BELL LORI LEIGH | Other commissions; Insurance agents and brokers Service code 22 | 79 E PUTNAM AVE GREENWICH, CT 06830 | $287 |
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 | 288 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 288 | $205K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 288 | $205K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 288 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.