| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | UNKNOWN COLLEGEVILLE, PA 19426 | INDEPENDENCE BLUE CROSS | $97K | $116K | $213K | 9.76% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | UNKNOWN COLLEGEVILLE, PA 19426 | KEYSTONE | $31K | $4K | $35K | 5.08% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | MET LIFE | $8K | $1K | $9K | 5.64% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE INC. | PO BOX 391 LANSDALE, PA 19446 | MET LIFE | $7K | $0 | $7K | 4.39% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE INC. | 6339 BEVERLY HILLS ROAD COOPERSBURG, PA 18036 | EYEMED | $1K | $0 | $1K | 9.06% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 294 | $2.9M |
| Dental | MET LIFE | 406 | $154K |
| Vision(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 294 | $2.9M |
| Life insurance | MET LIFE | 406 | $154K |
| Long-term disability | MET LIFE | 406 | $154K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 294 | $2.9M |
| Other | MET LIFE | 406 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.