| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $15K | — | $15K | 3.37% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH OPTIONS | $222 | — | $222 | 0.05% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $5K | — | $5K | 3.27% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH OPTIONS | $724 | — | $724 | 0.52% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $4K | — | $4K | 3.40% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH OPTIONS | $592 | — | $592 | 0.50% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $4K | — | $4K | 3.67% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH OPTIONS | $596 | — | $596 | 0.50% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $3K | — | $3K | 3.31% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH OPTIONS | $570 | — | $570 | 0.55% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $3K | — | $3K | 3.16% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH OPTIONS | $535 | — | $535 | 0.54% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $3K | — | $3K | 3.17% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH OPTIONS | $469 | — | $469 | 0.47% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $3K | — | $3K | 3.34% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH OPTIONS | $568 | — | $568 | 0.57% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $2K | — | $2K | 3.20% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH OPTIONS | $399 | — | $399 | 0.52% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $2K | — | $2K | 3.14% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH OPTIONS | $327 | — | $327 | 0.46% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $2K | — | $2K | 3.61% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH OPTIONS | $787 | — | $787 | 1.39% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $2K | — | $2K | 3.13% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH OPTIONS | $332 | — | $332 | 0.62% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $2K | — | $2K | 3.35% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH OPTIONS | $280 | — | $280 | 0.55% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $2K | — | $2K | 3.34% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH OPTIONS | $257 | — | $257 | 0.55% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $1K | — | $1K | 3.26% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH OPTIONS | $168 | — | $168 | 0.54% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $1K | — | $1K | 4.18% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH OPTIONS | $130 | — | $130 | 0.45% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $2K | — | $2K | 6.32% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH BENEFITS | $575 | — | $575 | 2.11% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $771 | — | $771 | 3.33% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH OPTIONS | $128 | — | $128 | 0.55% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $495 | — | $495 | 3.34% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH OPTIONS | $82 | — | $82 | 0.55% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $394 | — | $394 | 3.33% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH OPTIONS | $66 | — | $66 | 0.56% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $814 | — | $814 | 7.22% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH BENEFITS | $279 | — | $279 | 2.47% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $616 | — | $616 | 5.52% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH BENEFITS | $234 | — | $234 | 2.10% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $644 | — | $644 | 6.50% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH BENEFITS | $186 | — | $186 | 1.88% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $532 | — | $532 | 6.53% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH BENEFITS | $169 | — | $169 | 2.07% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $385 | — | $385 | 6.03% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH BENEFITS | $159 | — | $159 | 2.49% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH OPTIONS | $92 | — | $92 | 1.67% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH OPTIONS | $112 | — | $112 | 3.74% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $168 | — | $168 | 6.26% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $91 | — | $91 | 6.53% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH BENEFITS | $21 | — | $21 | 1.51% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $165 | — | $165 | 39.38% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH BENEFITS | $66 | — | $66 | 15.75% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH BENEFITS | $22 | — | $22 | 7.21% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $12 | — | $12 | 3.93% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH BENEFITS | $17 | — | $17 | 8.06% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $10 | — | $10 | 4.74% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $61 | — | $61 | 51.26% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH BENEFITS | $15 | — | $15 | 12.61% |
| URL INSURANCE GROUP3 | 60 W. BROAD STREET, SUITE 302 BETHLEHEM, PA 18018 | UPMC HEALTH BENEFITS | $12 | — | $12 | — |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(22 contracts) | UPMC HEALTH OPTIONS | 63 | $1.7M |
| Dental(12 contracts) | UPMC HEALTH BENEFITS | 98 | $77K |
| Vision(12 contracts) | UPMC HEALTH BENEFITS | 98 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.