| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | IBC KEYSTONE | — | $81K | $81K | 4.66% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | IBC PPO | — | $61K | $61K | 4.66% |
| ONEILL CONSULTING CORP3 | — | VISION BENEFITS OF AMERICA | — | $1K | $1K | 4.27% |
| ONEILL CONSULTING CORP3 | — | VISION BENEFITS OF AMERICA | — | $566 | $566 | 4.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHONY M PONTARELLI CPA LLC EIN 32-0048632 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 1037 MILLCREEK DR UNIT B FEASTERVILLE, PA 19053 | $6K |
| SPEAR WILDERMAN NONE | Actuarial; Direct payment from the plan Service code 11 | 230 S BROAD ST SUITE 1400 PHILADELPHIA, PA 19102 | $5K |
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 | 1,421 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | IBC KEYSTONE | 251 | $3.0M |
| Vision(2 contracts) | VISION BENEFITS OF AMERICA | 590 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 590 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.