| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE, SUITE 215 PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS | $83K | $11K | $94K | 6.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LI | 1393 VETERANS MEMORIAL HIGHWAY SUITE 210 N HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $3K | $24K | 16.75% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 630 W. GERMANTOWN PIKE SUITE 215 PLYMOUTH MEETING, PA 19462 | UPMC HEALTH OPTIONS | $4K | $0 | $4K | 3.37% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 1 HILLCREST DR E CHARLESTON, WV 253111622 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $24 | $3K | 3.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDATLANTIC INC | 1 INTERNATIONAL PLAZA, SUITE 400 PHILADELPHIA, PA 191131535 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $24 | $1K | 1.41% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 3716 NORFOLK, VA 235143716 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.24% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 62689 VIRGINIA BEACH, VA 234662689 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $24 | $24 | 0.02% |
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 | 196 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 220 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 248 | $100K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 248 | $1.6M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 197 | $144K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 197 | $144K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 220 | $1.5M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 197 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.