| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY VEVA-16, SUITE 320 BLUE BELL, PA 19422 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE LOOMIS COMPANY EIN 23-2238132 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 7011 850 N PARK ROAD WYOMISSING, PA 19610 | $221K |
| ZELIS CLAIMS INTEGRITY EIN 86-1040704 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | C/O THE LOOMIS COMPANY PO BOX 7011 WYOMISSING, PA 19610 | $102K |
| CIGNA EIN 35-2029627 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 11595 N MERIDIAN ST CARMEL, IN 46032 | $78K |
| AXA EQUITABLE LIFE INS COMP EIN 58-5512450 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1290 AVENUE OF THE AMERICAS NEW YORK, NY 10104 | $42K |
| AMERITAS LIFE INSURANCE CORPORATION EIN 47-0098400 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 650730 DALLAS, TX 752650730 | $42K |
| MEDWATCH LLC EIN 16-1662117 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 400 COLONIAL CENTER PARKWAY SUITE 320 LAKE MARY, FL 32746 | $9K |
| TELADOC INC. EIN 04-3705970 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 123417 DEPT 3417 DALLAS, TX 753123417 | $7K |
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 | 485 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 485 | $35K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH & LIFE INSURANCE COMPANY | 342 | $916K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 485 | — |
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.