| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGERS BENEFIT GROUP INC3 Filed as: EMRESON ROGERS LLC PA DE | 1787 SENTRY PARKWAY, WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | $0 | $43K | 7.23% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | UNKNOWN KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF NEW YORK | $9K | $0 | $9K | 3.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY, WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.00% |
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 | 885 | 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) | 885 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 712 | $289K |
| Vision | VISION SERVICE PLAN | 640 | $72K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 885 | $600K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 885 | $600K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 885 | $600K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,330 | $678K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,330 | — |
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.