| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SECURITAS INSURANCE PARTNERS, LLC3 | 7 GREAT VALLEY PARKWAY SUITE 140 MALVERN, PA 19355 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $74K | $78K | 5.25% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | VEVA 16 SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 1.76% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1305 WALT WHITMAN ROAD #310 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $692 | — | $692 | 0.05% |
| EMERSON REID LLC3 Filed as: EMERSON, REID LLC | 100 SUMMIT LAKE DRIVE SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $4K | $2K | $6K | 17.15% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | HARTFORD LIFE AND ACCIDENT | — | $52 | $52 | 0.15% |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 262 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 262 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 262 | $1.5M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 217 | $34K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 217 | $34K |
| Other | HARTFORD LIFE AND ACCIDENT | 217 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.