| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 100 MATSONFORD ROAD BUILDING 5, SUITE 200 WAYNE, PA 19087 | UPMC HEALTH OPTIONS | $16K | — | $16K | 1.72% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | $36K | $2K | $38K | 4.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 100 MATSONFORD ROAD BUILDING 5, SUITE 200 WAYNE, PA 19087 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 13.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 801 S FIGUEROA STREET SUITE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 100 MATSONFORD ROAD BUILDING 5, SUITE 200 WAYNE, PA 19087 | UPMC HEALTH BENEFITS | $4K | — | $4K | 8.76% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | EMPIRE STATE BUILDING 350 FIFTH AVE, SUITE 3700 NEW YORK, NY 10118 | UNITED CONCORDIA INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | $645 | $2K | $2K | 16.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 100 W MATSONFORD RD BUILDING 5, SUITE 200 RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $337 | $39 | $376 | — |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY ST FL 6 1 WORLD FINANCIAL CENTER NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | — | $376 | $376 | — |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UPMC HEALTH OPTIONS | 152 | $1.8M |
| Dental(4 contracts, 4 carriers) | UPMC HEALTH OPTIONS | 144 | $1.0M |
| Vision(3 contracts, 3 carriers) | UPMC HEALTH OPTIONS | 152 | $991K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 197 | $89K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 197 | $89K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 152 | $796K |
| Other | HARTFORD LIFE AND ACCIDENT | 197 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.