| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | STE 320 1787 SENTRY PKWY W VEVA 16 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $134K | — | $134K | 5.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | STE 330 12647 ALCOSTA BLVD SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $89K | — | $89K | 3.52% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $231K | $136K | $367K | 21.71% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $26K | $31K | $56K | 22.03% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $23K | $39K | 23.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HS&BA EIN 94-3089465 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $283K |
| WITHUM SMITH & BROWN PC NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 601 CALIFORNIA ST 18TH FLOOR SAN FRANCISCO, CA 94108 | $41K |
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 | 3,296 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,096 | $167K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 7,915 | $1.9M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,019 | $255K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,915 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,915 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.