| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 1787 SENTRY PARKWAY W VEVA 16, SUITE 320 BLUE BELL, PA 19422 | KEYSTONE HEALTH PLAN EAST | $23K | — | $23K | 3.97% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | KEYSTONE HEALTH PLAN EAST | $5K | — | $5K | 0.80% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W GERMANTOWN PIKE, SUITE 215 PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS | $16K | — | $16K | 4.09% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | INDEPENDENCE BLUE CROSS | $3K | — | $3K | 0.75% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | DELTA DENTAL OF PENNSYLVANIA | $7K | — | $7K | 10.00% |
| BENESERV, INC.3 Filed as: BENESERV INC | 15 E FRONT ST MEDIA, PA 19063 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.08% |
| EMERSON REID LLC3 | 401 BROADWAY STE 912 NEW YORK, NY 10013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 3.39% |
| WILLIAM A GRAHAM COMPANY3 | PO BOX 7247 PHILADELPHIA, PA 19170 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $587 | $81 | $668 | 1.99% |
| BENESERV, INC.3 Filed as: BENESERV INC | 15 E FRONT ST MEDIA, PA 19063 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.73% |
| WILLIAM A GRAHAM COMPANY3 | PO BOX 7247 PHILADELPHIA, PA 19170 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $862 | $43 | $905 | 5.53% |
| EMERSON REID LLC3 | 401 BROADWAY STE 912 NEW YORK, NY 10013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $530 | $530 | 3.24% |
| BENESERV, INC.3 Filed as: BENESERV INC | 15 E FRONT ST MEDIA, PA 19063 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.99% |
| WILLIAM A GRAHAM COMPANY3 | PO BOX 7247 PHILADELPHIA, PA 19170 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $727 | $36 | $763 | 5.26% |
| EMERSON REID LLC3 | 401 BROADWAY STE 912 NEW YORK, NY 10013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $483 | $483 | 3.33% |
| BENESERV, INC.3 Filed as: BENESERV INC | 15 E FRONT ST MEDIA, PA 19063 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $272 | — | $272 | 7.16% |
| EMERSON REID LLC3 | 401 BROADWAY STE 912 NEW YORK, NY 10013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $136 | $136 | 3.58% |
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 | 309 | 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) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE HEALTH PLAN EAST | 157 | $976K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 253 | $74K |
| Vision | INDEPENDENCE BLUE CROSS | 92 | $400K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 309 | $20K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 185 | $34K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 71 | $15K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 92 | $400K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 309 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.