| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS - KEYSTONE HEALTH PLAN EAST | $55K | $7K | $62K | 6.73% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | $31K | $5K | $36K | 6.86% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $2K | $9K | 19.37% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W. DEKALB PIKE WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 10.15% |
| RODNEY L RICH CO INC3 Filed as: RODNEY L GARRISON | 757 BAYVIEW ROAD MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $536 | $17 | $553 | 1.22% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $471 | $15 | $486 | 1.07% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $378 | $11 | $389 | 0.86% |
| DARLENE BLAASCH3 | 701 S BROAD STREET MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $299 | $31 | $330 | 0.73% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN ROAD CHESAPEAKE CY, MD 21915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $262 | $1 | $263 | 0.58% |
| PETER TURSI3 | 3337 E ORVILLA ROAD HATFIELD, PA 19440 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $226 | — | $226 | 0.50% |
| 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 | 6.17% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES INC. | 1111 WEST DEKALB PIKE WAYNE, PA 19087 | NATIONAL VISION ADMINISTRATORS, LLC | $858 | — | $858 | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | EMPIRE STATE BUILDING 350 FIFTH AVE, STE 3700 NEW YORK, NY 10118 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $1K | — | $1K | 10.01% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES, INC | 1111 W. DEKALB PIKE WAYNE, PA 19087 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.06% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | 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 | 140 | $1.4M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 136 | $52K |
| Vision(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE HEALTH PLAN EAST | 187 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 160 | $56K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE HEALTH PLAN EAST | 140 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.