| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLEXIBLE BENEFITS PLANS INC3 Filed as: FLEXIBLE BENEFITS PLANS, INC. | PO BOX 873 VALLEY FORGE, PA 19482 | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | $25K | $8K | $33K | 4.43% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | — | $4K | $4K | 0.56% |
| FLEXIBLE BENEFITS PLANS INC3 Filed as: FLEXIBLE BENEFITS PLANS, INC. | PO BOX 873 VALLEY FORGE, PA 19482 | INDEPENDENCE BLUE CROSS - KEYSTONE | $28K | $7K | $34K | 4.60% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS - KEYSTONE | — | $1K | $1K | 0.20% |
| FLEXIBLE BENEFITS PLANS INC3 Filed as: FLEXIBLE BENEFITS PLANS, INC. | PO BOX 873 VALLEY FORGE, PA 19482 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $14 | $10K | 7.72% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS | 20 S. KING ST. LEESBURG, VA 20175 | ZURICH AMERICAN INSURANCE COMPANY | $219 | — | $219 | 14.98% |
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 | 223 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | 76 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $127K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $127K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $127K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $127K |
| Prescription drug | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | 74 | $754K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 223 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.