| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | KEYSTONE - IBC | $22K | $6K | $28K | 2.91% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS | $25K | $8K | $33K | 4.67% |
| EVANS PANCOAST3 | 237 LANCASTER AVENUE DEVON, PA 19333 | AETNA LIFE INSURANCE COMPANY | $8K | — | $8K | 7.29% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | AHPA HMO | $2K | $440 | $2K | 2.48% |
| EVANS PANCOAST3 | 237 LANCASTER AVENUE, SUITE 251 DEVON, PA 19333 | METROPOLITAN LIFE INSURANCE COMPANY | $264 | — | $264 | 16.26% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KEYSTONE - IBC | 54 | $1.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 172 | $110K |
| Vision(3 contracts, 3 carriers) | KEYSTONE - IBC | 54 | $1.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 72 | $2K |
| Prescription drug(3 contracts, 3 carriers) | KEYSTONE - IBC | 54 | $1.8M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 72 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.