| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 WEST GERMANTOWN PIKE PLYMOUTH, PA 19462 | KEYSTONE | $23K | $6K | $28K | 5.70% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 WEST GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS | $6K | $1K | $7K | 6.23% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | UNKNOWN PHILADELPHIA, PA 19119 | UNITED CONCORDIA INSURANCE COMPANY | $7K | $0 | $7K | 12.85% |
| CHRISTI GROUP LLC3 Filed as: CHRISTI BENEFITS GROUP | 320 BICKLEY ROAD GLENSIDE, PA 19038 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 8.96% |
| DIVERSIFIED HUMAN SOLUTIONS INC3 Filed as: DIVERSIFIED HUMAN SOLUTIONS | 1500 WALNUT STREET SUITE 413 PHILADELPHIA, PA 19102 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.80% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $41 | $41 | 0.09% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CHRISTI BENEFITS | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NATIONAL VISION ADMINISTRATORS, LLC | $807 | $0 | $807 | 15.01% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE | 136 | $614K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 156 | $57K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 123 | $5K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 171 | $44K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 171 | $44K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 171 | $44K |
| Prescription drug(2 contracts, 2 carriers) | KEYSTONE | 136 | $614K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 171 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.