| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W GERMANTOWN PIKE, SUITE 215 PLYMOUTH MEETING, PA 19462 | KEYSTONE HEALTH PLAN EAST | $37K | — | $37K | 7.11% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W GERMANTOWN PIKE, SUITE 215 PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS | $28K | — | $28K | 7.41% |
| BENESERV, INC.3 | 453 BALTIMORE PIKE SPRINGFIELD, PA 19064 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.97% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 630 W GERMANTOWN PIKE, SUITE 215 PLMOUTH MEETING, PA 19462 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 5.00% |
| BENESERV, INC.3 Filed as: BENESERV | 453 BALTIMORE PIKE SPRINGFIELD, PA 19064 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 630 W. GERMANTOWN PIKE, SUITE 215 PLYMOUTH MEETING, PA 19462 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $723 | $723 | 5.00% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE HEALTH PLAN EAST | 128 | $903K |
| Vision | INDEPENDENCE BLUE CROSS | 96 | $380K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $14K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 209 | $34K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 96 | $380K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.