| 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 | $53K | $787 | $54K | 4.78% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | $38K | $2K | $40K | 4.58% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 350 FIFTH AVENUE, STE 3700 NEW YORK, NY 10118 | UNITED CONCORDIA INSURANCE COMPANY | $3K | — | $3K | 7.78% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W. DEKALB PIKE WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 11.53% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $5 | $1K | 3.96% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $806 | $394 | $1K | 3.47% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | $4 | $140 | 0.40% |
| DARLENE BLAASCH3 | 1758 RED CEDAR LANE ROCKHILL, SC 29732 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.16% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN ROAD CHESAPEAKE CY, MD 21915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES INC. | 1111 WEST DEKALB PIKE WAYNE, PA 19087 | NATIONAL VISION ADMINISTRATORS, LLC | $717 | — | $717 | 5.00% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES, INC | 1111 W. DEKALB PIKE WAYNE, PA 19087 | PRINCIPAL LIFE INSURANCE COMPANY | $964 | — | $964 | 10.00% |
| 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. | $910 | — | $910 | 9.92% |
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 | 146 | 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) | 147 | 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 | 91 | $2.0M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 122 | $45K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 158 | $14K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 146 | $44K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 37 | $35K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE HEALTH PLAN EAST | 91 | $2.0M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 37 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.
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.