| 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 | INDEPENDENCE BLUE CROSS | $30K | $5K | $35K | 6.84% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | KEYSTONE | $10K | $1K | $11K | 4.59% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | UNITED CONCORDIA INSURANCE COMPANY | $9K | $0 | $9K | 12.10% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR | 669 RIVER DRIVE, SUITE 305 ELMWOOD PARK, NJ 07407 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.76% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 5250 NORTH PALM, SUIT 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| SPENCER BARRETT3 Filed as: SPENCER M. BROAD | 16 PANORANA COURT MOUNT LAUREL, NJ 08054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $73 | $3K | 7.46% |
| TAYLOR LEIGH PERRI3 | 100 MOUNTAIN ROAD MOUNT LAUREL, NJ 08054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $552 | $87 | $639 | 1.83% |
| LISA A PERRI3 Filed as: LISA A. PERRI | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $494 | $114 | $608 | 1.74% |
| MICHAEL J PERRI3 Filed as: MICHAEL J. PERRI | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $416 | $0 | $416 | 1.19% |
| MARGAN PERRI3 | 23 VOM EIGEN DRIVE MORRISTOWN, NJ 07960 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $193 | $0 | $193 | 0.55% |
| MJ INSURANCE3 Filed as: KYLE BINDER AND VARIOUS AGENTS | 230 HAMPSHIRE AVENUE AUDUBON, NJ 08106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $115 | $56 | $171 | 0.49% |
| GEORGE E BIEL3 Filed as: GEORGE E. BIEL | 1257 CROSSBILL COURT WESTON, FL 33327 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $89 | $0 | $89 | 0.25% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | AMERIHEALTH INSURANCE COMPANY | $2K | $223 | $2K | 5.75% |
| MY BENEFIT ADVISOR LLC3 | 669 RIVER DRIVE, CENTER II ELMWOOD PARK, NJ 07407 | THE STANDARD LIFE INSURANCE COMPANY | $361 | $0 | $361 | 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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 95 | $785K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 217 | $78K |
| Vision | INDEPENDENCE BLUE CROSS | 95 | $508K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 98 | $38K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $56K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $56K |
| Prescription drug(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 95 | $785K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 98 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.