| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | $69K | $0 | $69K | 4.69% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W DEKALB PIKE WAYNE, PA 19807 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $3K | $13K | 5.95% |
| EMERSON REID LLC Filed as: EMERSON REID & CO INC. | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 4.65% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | $5K | $0 | $5K | 2.59% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | -$2K | $0 | -$2K | -1.23% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W DEKALB PIKE WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPNY OF AMERICA | $5K | $0 | $5K | 6.61% |
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 | 95 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 89 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | INDEPENDENCE BLUE CROSS | 199 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $218K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $218K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $218K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $218K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $292K |
| Prescription drug(2 contracts) | INDEPENDENCE BLUE CROSS | 100 | $328K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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."
No prospect flags tripped on this filing.