| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECBM LP3 | ROSETREE CORP CTR 1400 N PROVIDENCE RD STE 5025 MEDIA, PA 190632069 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 8.26% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 194222240 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 4.02% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 210301827 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.02% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $12K | 12.43% |
| ECBM LP3 | ROSETREE CORP CTR 1400 N PROVIDENCE RD STE 5025 MEDIA, PA 190632069 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.50% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $612 | $612 | 4.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE BLUE CROSS EIN 23-2184623 NONE | Claims processing; Contract Administrator Service code 12 | — | $53K |
| CATAPULT EMPLOYERS ASSOCIATION NONE | Contract Administrator; Claims processing Service code 12 | 3020 W. ARROWOOD ROAD CHARLOTTE, NC 28273 | $5K |
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 | 248 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $98K |
| Vision | VISION BENEFITS OF AMERICA | 181 | $19K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 328 | $170K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 328 | $157K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 328 | $157K |
| Stop-loss / reinsurancereinsurance | INDEPENDENCE BLUE CROSS | 176 | $520K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 328 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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."
No prospect flags tripped on this filing.