| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS | $57K | — | $57K | 9.51% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS | $12K | — | $12K | 6.07% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W DEKALB PIKE WAYNE, PA 19087 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 5.63% |
| STAMATAKIS & ASSOCIATES3 | 1111 W DEKALB PIKE WAYNE, PA 19087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 9.42% |
| STAMATAKIS & ASSOCIATES3 | 1111 W DEKALB PIKE WAYNE, PA 19087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.29% |
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 | 376 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | INDEPENDENCE BLUE CROSS | 86 | $790K |
| Dental | AETNA LIFE INSURANCE COMPANY | 177 | $59K |
| Vision | INDEPENDENCE BLUE CROSS | 86 | $600K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 376 | $22K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 376 | $30K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 376 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.