| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID ANDCOMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | KEYSTONE | $66K | $5K | $71K | 6.91% |
| EMERSON REID LLC3 Filed as: EMERSON REID TRA BENEFIT | 215 EXECUTIVE CAMPUS, SUITE 215 630 WEST GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | KEYSTONE | — | $2K | $2K | 0.21% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $32K | $3K | $35K | 6.93% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 630 WEST GERMANTOWN PIKE, SUITE 215 PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS | — | $900 | $900 | 0.18% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 19422 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $16K | — | $16K | 16.15% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 400 POST AVENUE WESTBURY, NY 11590 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $1K | $14K | 16.47% |
| EMERSON REID LLC3 Filed as: EMERSION REID DBA GBA | 1787 SENTRY PARKWAY W SUITE 320 BLUE BELL, PA 19422 | AMERIHEALTH INSURANCE COMPANY | $202 | — | $202 | 6.49% |
| EMERSON REID LLC3 Filed as: EMERSION REID DBA TRA BENEFITS | 630 W GERMANTOWN PIKE STE 215 PLYMOUTH MTG, PA 19462 | AMERIHEALTH INSURANCE COMPANY | $25 | — | $25 | 0.80% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KEYSTONE | 156 | $1.5M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 274 | $99K |
| Vision | INDEPENDENCE BLUE CROSS | 105 | $510K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $87K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $87K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $87K |
| Prescription drug(3 contracts, 3 carriers) | KEYSTONE | 156 | $1.5M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.