| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 855 ROUTE 146 CLIFTON PARK, NY 12065 | HIGHMARK, INC. | $47K | — | $47K | 2.91% |
| STUMM INSURANCE LLC3 Filed as: STUMM INS LLC | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 600184975 | GUARDIAN | $26K | $6K | $32K | 15.56% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MA 63122 | GUARDIAN | $10K | — | $10K | 5.00% |
| H E INSURANCE INC3 | — | GUARDIAN | $608 | — | $608 | 0.30% |
| STUMM INSURANCE LLC3 Filed as: STUMM INS LLC | 9400 W HIGGINS RD, STE 310 ROSEMONT, IL 600184975 | GUARDIAN | $831 | — | $831 | 5.36% |
| H E INSURANCE INC3 | — | GUARDIAN | $8 | — | $8 | 0.05% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 208 | $1.6M |
| Dental | GUARDIAN | 220 | $204K |
| Vision | GUARDIAN | 220 | $204K |
| Life insurance | GUARDIAN | 220 | $204K |
| Short-term disability(2 contracts) | GUARDIAN | 220 | $219K |
| Long-term disability | GUARDIAN | 220 | $204K |
| Prescription drug | HIGHMARK, INC. | 208 | $1.6M |
| Other | GUARDIAN | 220 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.