| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | KEYSTONE | $42K | $2K | $45K | 9.95% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $13K | $737 | $14K | 13.54% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | AMERITAS LIFE INSURANCE CORPORATIONS | $3K | — | $3K | 5.00% |
| DIVERSIFIED HUMAN SOLUTIONS INC3 Filed as: DIVERSIFIED HUMAN SOLUTIONS | 1500 WALNUT STREET, SUITE 413 PHILADELPHIA, PA 19102 | AMERITAS LIFE INSURANCE CORPORATIONS | $3K | — | $3K | 4.73% |
| DIVISIFIED HUMAN SOLUTIONS3 | 1500 WALNUT STREET, SUITE 413 PHILADELPHIA, PA 19102 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 12.34% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $40 | $40 | 0.10% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE, CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NATIONAL VISION ADMINISTRATORS, LLC | $699 | — | $699 | 14.99% |
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 | 113 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE | 105 | $554K |
| Dental | AMERITAS LIFE INSURANCE CORPORATIONS | 239 | $56K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATIONS | 239 | $61K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 113 | $41K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 113 | $41K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 113 | $41K |
| Prescription drug(2 contracts, 2 carriers) | KEYSTONE | 105 | $554K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 113 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.