| 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 | $28K | $781 | $28K | 3.03% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS | $37K | $1K | $38K | 5.39% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | AHPA HMO | $3K | $83 | $3K | 2.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.33% |
| EVANS PANCOAST3 | 237 LANCASTER AVENUE DEVON, PA 19333 | AETNA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.66% |
| EVANS PANCOAST3 | 237 W LANCASTER AVENUE STE 251 DEVON, PA 19333 | METROPOLITAN LIFE INSURANCE COMPANY | $284 | $0 | $284 | 15.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | METROPOLITAN LIFE INSURANCE COMPANY | $187 | $38 | $225 | 15.99% |
| EVANS PANCOAST3 | 237 W LANCASTER AVE STE 251 DEVON, PA 19333 | METROPOLITAN LIFE INSURANCE COMPANY | $22 | $0 | $22 | 1.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICE INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.14% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KEYSTONE - IBC | 117 | $1.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 70 | $45K |
| Vision(3 contracts, 3 carriers) | KEYSTONE - IBC | 117 | $1.8M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 69 | $3K |
| Prescription drug(3 contracts, 3 carriers) | KEYSTONE - IBC | 117 | $1.8M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 69 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.