| 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 - KEYSTONE HEALTH PLAN EAST | $52K | $6K | $58K | 6.71% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | $32K | $5K | $37K | 7.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 350 FIFTH AVENUE, STE 3700 NEW YORK, NY 10118 | UNITED CONCORDIA INSURANCE COMPANY | $2K | — | $2K | 4.51% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $1K | $8K | 31.14% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W. DEKALB PIKE WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 11.79% |
| RODNEY L RICH CO INC3 Filed as: RODNEY L GARRISON | 757 BAYVIEW ROAD MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $590 | $387 | $977 | 3.96% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $493 | $40 | $533 | 2.16% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN ROAD CHESAPEAKE CY, MD 21915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $413 | $3 | $416 | 1.69% |
| DARLENE BLAASCH3 | 701 S BROAD STREET MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $305 | $97 | $402 | 1.63% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $259 | $16 | $275 | 1.12% |
| PETER TURSI3 | 3337 E ORVILLA ROAD HATFIELD, PA 19440 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $260 | $1 | $261 | 1.06% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES INC. | 1111 WEST DEKALB PIKE WAYNE, PA 19087 | NATIONAL VISION ADMINISTRATORS, LLC | $808 | — | $808 | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $1K | — | $1K | 8.98% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES, INC | 1111 W. DEKALB PIKE WAYNE, PA 19087 | PRINCIPAL LIFE INSURANCE COMPANY | $751 | — | $751 | 9.99% |
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 | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | 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 | 135 | $1.4M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 114 | $47K |
| Vision(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE HEALTH PLAN EAST | 181 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 156 | $32K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE HEALTH PLAN EAST | 135 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.