| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 1787 SENTRY PKWY W VEVA 16, SUITE 320 BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS - KEYSTONE HEALTH PLAN EAST | $7K | $2K | $9K | 0.99% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 1787 SENTRY PKWY W VEVA 16, SUITE 320 BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | $25K | $3K | $27K | 4.90% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 1787 SENTRY PARKWAY W VIVA 16, SUITE 320 BLUE BELL, PA 19422 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $3K | — | $3K | 21.51% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 WEST DEKALB PIKE WAYNE, PA 19087 | MADISON NATIONAL LIFE INSURANCE COMPANY | $1K | $85 | $1K | 13.00% |
| NORTH AMERICAN BENEFITS COMPANY3 | 20 VALLEY STREAM PKWY, SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 12.51% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES INC. | 1111 WEST DEKALB PIKE WAYNE, PA 19087 | NATIONAL VISION ADMINISTRATORS, LLC | $363 | — | $363 | 5.00% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE HEALTH PLAN EAST | 147 | $1.5M |
| Dental | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | 81 | $15K |
| Vision(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE HEALTH PLAN EAST | 147 | $1.5M |
| Life insurance | MADISON NATIONAL LIFE INSURANCE COMPANY | 156 | $9K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE HEALTH PLAN EAST | 147 | $1.5M |
| Other | MADISON NATIONAL LIFE INSURANCE COMPANY | 156 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.