| 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 | $34K | — | $34K | 0.69% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS INC. | 24 E SECOND ST, 1ST FLOOR MEDIA, PA 19063 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 15.99% |
| IMG3 | 2960 N MERIDIAN STREET INDIANAPOLIS, IN 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $53 | $53 | 0.02% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 530 W GERMANTOWN PIKE BLUE BELL, PA 19462 | INDEPENDENCE BLUE CROSS | $12K | — | $12K | 23.61% |
| 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 | 10.83% |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 116 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | INDEPENDENCE BLUE CROSS | 571 | $5.0M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 640 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 586 | $28K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 373 | $232K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 373 | $232K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 571 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 640 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.