| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | KEYSTONE | $30K | $0 | $30K | 6.22% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $28K | $0 | $28K | 6.22% |
| MY BENEFIT ADVISOR LLC3 | 1787 SENTRY PARKWAY WEST VEVA16, SUITE 320 BLUE BELL, PA 19422 | BENECARD SERVICES, INC. | $7K | $0 | $7K | 5.00% |
| MY BENEFIT ADVISOR LLC3 | UNKNOWN BROOMALL, PA 19008 | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 4.82% |
| MY BENEFIT ADVISOR LLC3 | 1787 SENTRY PARKWAY WEST VEVA16, SUITE 320 BLUE BELL, PA 19422 | DELTA DENTAL OF PENNSYLVANIA | $61 | $0 | $61 | 0.09% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | AMERIHEALTH INSURANCE COMPANY | $4K | $0 | $4K | 6.17% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $493 | $493 | 13.50% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE CENTER 11 SUITE 305 ELMWOOD PARK, NJ 07407 | MADISON NATIONAL LIFE INSURANCE COMPANY | $438 | $0 | $438 | 11.99% |
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 | 95 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 114 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KEYSTONE | 83 | $993K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 162 | $67K |
| Vision | INDEPENDENCE BLUE CROSS | 73 | $449K |
| Life insurance | MADISON NATIONAL LIFE INSURANCE COMPANY | 170 | $4K |
| Prescription drug(4 contracts, 4 carriers) | KEYSTONE | 98 | $1.1M |
| Other | MADISON NATIONAL LIFE INSURANCE COMPANY | 170 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.