| 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 | $63K | — | $63K | 4.80% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 1787 SENTRY PARKWAY W VEVA 16, SUITE 320 BLUE BELL, PA 19422 | KEYSTONE | $15K | — | $15K | 4.98% |
| 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 | $21K | $2K | $24K | 15.27% |
| MF IRVINE COMPANIES LLC3 | 21 E 5TH AVENUE SUITE 204 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.50% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 630 W. GERMANTOWN PIKE SUITE 215 PLYMOUTH MEETING, PA 19462 | UPMC HEALTH OPTIONS | $3K | — | $3K | 2.61% |
| MF IRVINE CORPORATE SOLUTIONS3 | 21 E 5TH AVENUE SUITE 204 CONSHOHOCKEN, PA 19428 | UPMC HEALTH OPTIONS | $149 | — | $149 | 0.11% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDATLANTIC INC | 1 INTERNATIONAL PLAZA, SUITE 400 PHILADELPHIA, PA 191131535 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $485 | $3K | 3.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 2045 14TH AVENUE VERO BEACH, FL 329603441 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $27 | $1K | 1.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $673 | $673 | 0.81% |
| MF IRVINE COMPANIES LLC3 | 21 E 5TH AVENUE SUITE 204 CONSHOHOCKEN, PA 194281788 | METROPOLITAN LIFE INSURANCE COMPANY | $200 | $75 | $275 | 0.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 1 HILLCREST DRIVE E CHARLESTOWN, WV 253111622 | METROPOLITAN LIFE INSURANCE COMPANY | $161 | $27 | $188 | 0.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 62689 VIRGINIA BEACH, VA 234662689 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $27 | $27 | 0.03% |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 175 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 242 | $83K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 242 | $1.4M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 206 | $154K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 206 | $154K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 175 | $1.3M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 206 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.