| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KMRD PARTNERS3 | KMRD PARTNERS WARRINGTON, PA 18976 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $19K | $4K | $23K | 12.50% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | EMERSON ROGERS, LLC BLUE BELL, PA 19422 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $16K | $16K | 8.86% |
| KMRD PARTNERS3 | 2600 KELLY RD STE 120 WARRINGTON, PA 189763652 | AMERITAS LIFE INSURANCE CORP | $9K | — | $9K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 300 CORPORATE CENTER DR STE 306 CAMP HILL, PA 170119800 | AMERITAS LIFE INSURANCE CORP | $5K | $0 | $5K | 5.00% |
| IMAGINE3603 | 12770 MERIT DRIVE DALLAS, TX 75251 | SWISS RE CORPORATE SOLUTIONS AMERICA INSURANCE CORPORATION | $4K | $0 | $4K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR CTR II STE 305 ELMWOOD PARK, NJ 07407 | HARTFORD LIFE AND ACCIDENT | $87 | $2K | $2K | 12.46% |
| KMRD PARTNERS3 Filed as: KMRD PARTNERS INC. | 2600 KELLY ROAD SUITE 120 WARRINGTON, PA 18976 | VISION BENEFITS OF AMERICA | $2K | $0 | $2K | 15.00% |
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 | 301 | 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) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 189 | $92K |
| Vision | VISION BENEFITS OF AMERICA | 166 | $11K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 647 | $203K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 647 | $203K |
| Long-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 647 | $203K |
| Other(3 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 647 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 647 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.