| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | $19K | $5K | $24K | 9.23% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS - KEYSTONE | $10K | $3K | $13K | 6.99% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | — | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $4K | — | $4K | 13.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $579 | $3K | 18.76% |
| NAVIGATION BENEFITS LLC3 | 222 N NARBERTH AVE. NARBERTH, PA 19072 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $640 | — | $640 | 4.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $426 | $202 | $628 | 4.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 NEW REZ LLC, PA 19876 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $713 | $431 | $1K | 9.98% |
| NAVIGATION BENEFITS LLC3 | 222 N. NARBERTH AVE. NARBETH, PA 19072 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $462 | — | $462 | 4.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $307 | $8 | $315 | 3.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $722 | $286 | $1K | 13.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | VISION BENEFITS OF AMERICA | $422 | — | $422 | 9.99% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | 46 | $448K |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 97 | $30K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | 59 | $269K |
| Life insurance(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 116 | $32K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 57 | $13K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $15K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | 46 | $448K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 27 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.