| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA GBA | SUITE 303 COLLEGEVILLE, PA 19426 | KEYSTONE | $76K | — | $76K | 1.50% |
| MICAHEL T RODY INC3 | 19 SOUTH HIGH STREET WEST CHESTER, PA 19382 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $15K | — | $15K | 0.79% |
| MICHAEL T RODY INC3 Filed as: MICHAEL T. RODY INC | 19 SOUTH HIGH STREET WEST CHESTER, PA 19382 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $39K | — | $39K | 3.40% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 Filed as: EMPLOYEE BEENFITS CORPORATION OF AM | 1 PARK WEST CIRCLE SUITE 306-L MIDLOTHIAN, VA 23114 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $22K | — | $22K | 1.92% |
| MICHAEL T RODY INC3 | C/O BRANDYWINE VALLEY INSURANCE GRO 19 SOUTH HIGH STREET WEST CHESTER, PA 19382 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $52K | — | $52K | 10.65% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $273 | $273 | 0.06% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA GBA | SUITE 303 COLLEGEVILLE, PA 19426 | AMERIHEALTH INSURANCE COMPANY | $654 | — | $654 | 0.78% |
| MICHAEL T RODY INC3 | 19 SOUTH HIGH STREET WEST CHESTER, PA 19382 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 8.18% |
| BENOIT & ASSOCIATES, INC3 Filed as: BENOIT & ASSOCIATES | PO BOX 640488 KENNER, LA 70064 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 8.04% |
| DISABILITY RMS3 Filed as: DISABILITY RMS, INC | 300 SOUTHBOROUGH DRIVE SUITE 200 SOUTH PORTLAND, ME 04092 | UNION SECURITY INSURANCE COMPANY | — | $2K | $2K | 4.30% |
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 | 622 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KEYSTONE | 368 | $8.1M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 666 | $238K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 182 | $20K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 791 | $484K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 791 | $520K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 791 | $484K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 197 | $1.8M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 791 | $520K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 791 | — |
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.