| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 630 W GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $558K | — | $558K | 4.70% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER LENZ | 5001 LOUISE DR, SUITE 300 MECHANICSBURG, PA 17055 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $2K | — | $2K | 0.02% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23466 | UNITED CONCORDIA INSURANCE COMPANY | $10K | $96 | $10K | 2.63% |
| USI INSURANCE SERVICES LLC3 | 418 8TH ST, SUITE 301 HUNTINGTON, WV 25701 | DAVIS VISION | $2K | — | $2K | 4.00% |
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 | 1,194 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 1,816 | $11.9M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,758 | $366K |
| Vision | DAVIS VISION | 1,500 | $56K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 129 | $36K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 129 | $36K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 129 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,816 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.