| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AEGIS GENERAL INSURANCE AGENCY3 Filed as: AEGIS GENERAL INSURANCE AGCY | 4507 NORTH FRONT ST STE 200 HARRISBURG, PA 17110 | AEGIS SECURITY INSURANCE COMPANY | $39K | $0 | $39K | 10.00% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE INC. | 531 WEST MAIN ST PO BOX 391 LANSDALE, PA 19446 | AEGIS SECURITY INSURANCE COMPANY | $19K | $0 | $19K | 4.93% |
| CONSOLIDATED BENEFITS INC3 Filed as: CONSOLIDATED BENEFITS INC. | 2500 ELMERTON AVENUE HARRISBURG, PA 17177 | AEGIS SECURITY INSURANCE COMPANY | $8K | $0 | $8K | 1.97% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE | 521 WEST MAIN STREET PO BOX 391 LANSDALE, PA 19446 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $1K | $10K | 6.14% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 1787 SENTRY PARKWAY WEST, VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $5K | $5K | 3.32% |
| NORTH AMERICAN BENEFITS COMPANY3 | 20 VALLEY STREAM PKWY STE 310 MALVERN, PA 19355 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $3K | $10K | 23.09% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE INC. | 521 WEST MAIN STREET LANSDALE, PA 19446 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 8.07% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W, VEVA 16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 6.85% |
| UNIVEST INSURANCE INC3 | 521 W MAIN ST PO BOX 391 LANSDALE, PA 19446 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $553 | $0 | $553 | 12.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG 16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $345 | $345 | 7.48% |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 177 | $158K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 177 | $158K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 196 | $34K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 196 | $45K |
| Other(3 contracts, 3 carriers) | AEGIS SECURITY INSURANCE COMPANY | 196 | $396K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.