| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 7 GREAT VALLEY PARKWAY MALVERN, PA 19355 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $98K | $101K | 5.07% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 0.48% |
| SECURITAS INSURANCE PARTNERS, LLC3 Filed as: SECURITAS INSURANCE PARTNERS LLC | 7 GREAT VALLEY PARKWAY, SUITE 140 MALVERN, PA 19355 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | -$252 | $4K | 0.21% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $1K | $1K | 0.07% |
| SECURITAS INSURANCE PARTNERS, LLC3 Filed as: SECURITAS INSURANCE PARTNERS LLC | 7 GREAT VALLEY PARKWAY, SUITE 140 MALVERN, PA 19355 | VISION BENEFITS OF AMERICA | $298 | $0 | $298 | 3.26% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 7 GREAT VALLEY PARKWAY MALVERN, PA 19355 | VISION BENEFITS OF AMERICA | $159 | $0 | $159 | 1.74% |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $2.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $2.0M |
| Vision | VISION BENEFITS OF AMERICA | 117 | $9K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $2.0M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $2.0M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $2.0M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $2.0M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.