| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W GERMANTOWN PK PLYMOUTH MEETING, PA 19462 | IBC KEYSTONE | $69K | — | $69K | 4.15% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W GERMANTOWN PK PLYMOUTH MEETING, PA 19462 | IBC PPO | $55K | — | $55K | 4.09% |
| ONEILL CONSULTING CORP3 | 485 DEVON PARK DR SUITE 102 WAYNE, PA 19087 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 4.00% |
| ONEILL CONSULTING CORP3 | 485 DEVON PARK DR SUITE 102 WAYNE, PA 19087 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHONY PONTARELLI EIN 32-0048632 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 626 S STATE ST NEWTOWN, PA 18940 | $7K |
| SPEAR WILDERMAN EIN 23-2331913 NONE | Direct payment from the plan; Actuarial Service code 11 | 230 S BROAD ST 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 | 1,362 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | IBC KEYSTONE | 235 | $3.0M |
| Vision(2 contracts) | VISION BENEFITS OF AMERICA | 492 | $35K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 43 | $21K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 43 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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.