| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 100 MATSONFORD RD RADNOR, PA 19087 | KEYSTONE HEALTH PLAN EAST | $76K | $0 | $76K | 4.34% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | — | KEYSTONE HEALTH PLAN EAST | $11K | $0 | $11K | 0.64% |
| WILLIAM E. POLLOCK3 Filed as: WILLIAM E POLLOCK | PO BOX 3174 WARMINSTER, PA 18974 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 12.19% |
| CORPORATE BENEFITS ALLIANCE3 Filed as: CORPORATE BENEFITS ALLIANCE INC | 37 WEST AVENUE STE 350 WAYNE, PA 19087 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 3.63% |
| WILLIAM E. POLLOCK3 Filed as: WILLIAM E POLLOCK | PO BOX 3174 WARMINSTER, PA 18974 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 12.19% |
| CORPORATE BENEFITS ALLIANCE3 Filed as: CORPORATE BENEFITS ALLIANCE INC | 37 WEST AVENUE STE 350 WAYNE, PA 19087 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 3.62% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | — | INDEPENDENCE BLUE CROSS | $9K | $0 | $9K | 289.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 100 MATSONFORD RD RADNOR, PA 19087 | INDEPENDENCE BLUE CROSS | $128 | $0 | $128 | 4.26% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KEYSTONE HEALTH PLAN EAST | 174 | $1.8M |
| Vision | INDEPENDENCE BLUE CROSS | 43 | $3K |
| Life insurance | STANDARD INSURANCE COMPANY | 144 | $72K |
| Long-term disability | STANDARD INSURANCE COMPANY | 138 | $59K |
| Prescription drug | KEYSTONE HEALTH PLAN EAST | 174 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.