| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 630 WEST GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS | $36K | $6K | $42K | 6.38% |
| FLEXIBLE BENEFIT PLANS, INC.3 | UNKNOWN VALLEY FORGE, PA 19482 | INDEPENDENCE BLUE CROSS | -$51 | $2K | $2K | 0.37% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 630 WEST GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | KEYSTONE | $14K | $2K | $17K | 6.13% |
| FLEXIBLE BENEFIT PLANS, INC.3 | UNKNOWN VALLEY FORGE, PA 19482 | KEYSTONE | $4K | $1K | $5K | 2.03% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 630 WEST GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | AMERIHEALTH INSURANCE COMPANY | $7K | $1K | $8K | 6.13% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 351 5TH AVENUE NEW YORK, NY 10118 | UNITED CONCORDIA INSURANCE COMPANY | $12K | $0 | $12K | 13.00% |
| USI INSURANCE SERVICES LLC3 | 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10118 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.68% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 4507 NORTH FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR | 669 RIVER DRIVE, SUITE 305 ELMWOOD PARK, NJ 07407 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.57% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10118 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.42% |
| SPENCER BARRETT3 Filed as: SPENCER M. BROAD | 16 PANORANA COURT MOUNT LAUREL, NJ 08054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $557 | $5K | 13.64% |
| LISA A PERRI3 Filed as: LISA A. PERRI | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $747 | $241 | $988 | 2.79% |
| MICHAEL J PERRI3 Filed as: MICHAEL J. PERRI | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $601 | $108 | $709 | 2.00% |
| TAYLOR LEIGH PERRI3 | 775 EAST ROUTE 70 MARLTON, NJ 08053 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $486 | $89 | $575 | 1.62% |
| MORGAN PERRI3 | 40 LEXINGTON CIRCLE MARLTON, NJ 08053 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $519 | $38 | $557 | 1.57% |
| GEORGE E BIEL3 Filed as: GEORGE E. BIEL | 1257 CROSSBILL COURT WESTON, FL 33327 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $74 | $0 | $74 | 0.21% |
| BARBARA K GROSS3 Filed as: BARBARA K. GROSS AND OTHER AGENTS | 15 WEBER ROAD JEANNETTE, PA 15644 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $63 | $3 | $66 | 0.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | THE STANDARD LIFE INSURANCE COMPANY | $304 | $0 | $304 | 7.40% |
| MY BENEFIT ADVISOR LLC3 | 669 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | THE STANDARD LIFE INSURANCE COMPANY | $188 | $0 | $188 | 4.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | THE STANDARD LIFE INSURANCE COMPANY | $0 | $85 | $85 | 2.07% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 146 | $1.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 205 | $95K |
| Vision | INDEPENDENCE BLUE CROSS | 146 | $653K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 199 | $40K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 175 | $77K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 175 | $77K |
| Prescription drug(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 146 | $1.1M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 199 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.