| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: SIMKISS&BLOCK, AN ALERA GRP AGENCY | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 3.02% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $100 | $1K | 2.09% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 5.31% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: SIMKISS & BLOCK AN ALERA GRP AGCY | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.26% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.00% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $976 | — | $976 | 3.52% |
| GCG FINANCIAL LLC3 Filed as: SIMKISS & BLOCK AN ALERA GRP AGCY | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $409 | — | $409 | 1.48% |
| GCG FINANCIAL LLC3 Filed as: SIMKISS&BLOCK, AN ALERA GRP AGENCY | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | ASSURITY LIFE INSURANCE COMPANY | $13K | — | $13K | 66.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.00% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $716 | — | $716 | 3.52% |
| GCG FINANCIAL LLC3 Filed as: SIMKISS & BLOCK AN ALERA GRP AGCY | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $300 | — | $300 | 1.48% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $230 | $230 | 5.01% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $161 | — | $161 | 3.51% |
| GCG FINANCIAL LLC3 Filed as: SIMKISS & BLOCK AN ALERA GRP AGCY | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $68 | — | $68 | 1.48% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $406 | $100 | $506 | 42.70% |
| GCG FINANCIAL LLC3 Filed as: SIMKISS&BLOCK, AN ALERA GRP AGENCY | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $447 | — | $447 | 37.72% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 88 | $60K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 76 | $1K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 118 | $54K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 118 | $20K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 118 | $28K |
| Other(2 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 118 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.