| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 WEST GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS | $25K | — | $25K | 0.43% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS, INC. | 24 2ND STREET MEDIA, PA 19063 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $20K | $6K | $26K | 17.29% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS, INC. | 24 SECOND STREET MEDIA, PA 19063 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | $2K | $8K | 14.14% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 530 W GERMANTOWN PIKE BLUE BELL, PA 19462 | INDEPENDENCE BLUE CROSS | $7K | — | $7K | 14.40% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS | 24 EAST 2ND STREET, FIRST FLOOR MEDIA, PA 19063 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.04% |
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 | 304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 88 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | INDEPENDENCE BLUE CROSS | 609 | $5.9M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 711 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 649 | $31K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 377 | $149K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 304 | $54K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 609 | $5.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 711 | — |
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."
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.