| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFITS | SUITE 2015 EXECUTIVE CAMPUS 630 W GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | KEYSTONE | $60K | $7K | $67K | 6.70% |
| DOYLE ALLIANCE GROUP, INC.3 | 123 SOUTH BROAD STREET PHILADELPHIA, PA 19109 | KEYSTONE | $8K | $851 | $9K | 0.91% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | SUITE 215 EXECUTIVE CAMPUS 630 W GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS | $6K | $640 | $7K | 6.31% |
| DOYLE ALLIANCE GROUP, INC.3 | 123 SOTH BROAD STREET SUITE 830 PHILADELPHIA, PA 19109 | INDEPENDENCE BLUE CROSS | $1K | $85 | $1K | 1.03% |
| THOMAS J QUIRK3 | 252 N RADNOR CHESTER RD 2ND FL ST DAVIDS, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 12.05% |
| THOMAS J QUIRK3 Filed as: THOMAS J. QUIRK | 252 N RADNOR CHESTER RD 2ND FLOOR ST DAVIDS, PA 19087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $223 | $0 | $223 | 2.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STERLING BENEFITS LLC BROKER | Non-monetary compensation; Other commissions; Insurance agents and brokers Service code 22 | 252 N RADNOR CHESTER RD ST DAVIDS, PA 19087 | $6K |
| UNION SECURITY INSURANCE COMPANY EIN 81-0170040 ADMIN | Other fees; Claims processing Service code 12 | — | $6K |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE | 215 | $1.1M |
| Vision | INDEPENDENCE BLUE CROSS | 15 | $110K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $80K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $80K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $80K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 15 | $110K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.