| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID D/B/A TRA BENEFIT | STE 215 EXECUTIVE CAMPUS 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS - KEYSTONE | $17K | — | $17K | 4.16% |
| EMERSON REID LLC3 Filed as: EMERSON REID D/B/A TRA BENEFIT | STE 215 EXECUTIVE CAMPUS 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | $16K | — | $16K | 4.83% |
| FIRST BUCKS LLC3 Filed as: FIRST BUCKS LLC T/A GMG AGENCY | 60 BLACKSMITH ROAD NEWTOWN, PA 18940 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 8.48% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS | 20 S. KING ST. LEESBURG, VA 20175 | LIFE INSURANCE OF NORTH AMERICA | $168 | $10 | $178 | 18.74% |
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 | 190 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE | 54 | $719K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 129 | $74K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 129 | $74K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 129 | $74K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 129 | $74K |
| Prescription drug | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | 44 | $322K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 190 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.