| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON, REID LLC | THE EMPIRE STATE BUILDING NEW YORK, NY 10118 | AETNA LIFE INSURANCE CO. | $242 | — | $242 | 0.05% |
| DANIEL P BATTY3 Filed as: DANIEL BATTY | 111 E UWCHLAN AVE EXTON, PA 19341 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.60% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER COCORES | 3 WOODSTOCK CT MECHANICSBURG, PA 17050 | METROPOLITAN LIFE INSURANCE COMPANY | $762 | — | $762 | 1.84% |
| DANIEL P BATTY3 | 111 E UWCHLAN AVE EXTON, PA 19341 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.75% |
| CHRISTOPHER C COCORES3 | 5001 LOUISE DRIVE SUITE 300 MECHANICSBURG, PA 17055 | STANDARD INSURANCE COMPANY | $774 | — | $774 | 2.55% |
| DANIEL P BATTY3 | 111 E UWCHLAN AVE EXTON, PA 19341 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.83% |
| CHRISTOPHER C COCORES3 | 5001 LOUISE DRIVE SUITE 300 MECHANICSBURG, PA 17055 | STANDARD INSURANCE COMPANY | $994 | — | $994 | 4.76% |
| DANIEL P BATTY3 | 111 E UWCHLAN AVE EXTON, PA 19341 | STANDARD INSURANCE COMPANY | $392 | — | $392 | 2.40% |
| CHRISTOPHER C COCORES3 | 5001 LOUISE DRIVE SUITE 300 MECHANICSBURG, PA 17050 | STANDARD INSURANCE COMPANY | $211 | — | $211 | 1.29% |
| DANIEL P BATTY3 | 111 E UWCHLAN AVE EXTON, PA 19341 | STANDARD INSURANCE COMPANY | $730 | — | $730 | 10.00% |
| BATTY,DANIEL3 | 111 E UWCHLAN AVE EXTON, PR 19341 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $579 | $67 | $646 | 16.73% |
| BATTY,DANIEL3 | 111 E UWCHLAN AVE EXTON, PA 19341 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $420 | $53 | $473 | 16.90% |
| CHRISTOPER CHARLES COCORES3 | STE 307 100 STERLING PKWY MECHANICSURG, PR 17050 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $669 | $2K | — |
| DANIEL P BATTY3 | 111 E UWCHLAN AVE EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $88 | $1K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DANIEL P BATTY BROKER | Securities brokerage Service code 33 | 111 E UWCHLAN AVENUE EXTON, PA 19341 | $13K |
| CHRISTOPHER COCORES BROKER | Securities brokerage Service code 33 | 3 WOODSTOCK COURT MECHANICSBURG, PA 17050 | $9K |
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 | 125 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 72 | $446K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 97 | $41K |
| Vision | STANDARD INSURANCE COMPANY | 50 | $7K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 143 | $16K |
| Short-term disability | STANDARD INSURANCE COMPANY | 109 | $30K |
| Long-term disability | STANDARD INSURANCE COMPANY | 10 | $21K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 37 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.