| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $80K | — | $80K | 4.45% |
| FOUR M CONSULTING INC.3 Filed as: FOUR M CONSULTING INC | 101 BRADFORD RD STE 100 WEXFORD, PA 15090 | HIGHMARK | $20K | — | $20K | 2.01% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $23K | — | $23K | 4.68% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $9K | $19K | 19.61% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $9K | $14K | 14.69% |
| FOUR M CONSULTING INC.3 Filed as: FOUR M CONSULTING INC | 219 SEASONS DRIVE WEXFORD, PA 15090 | AETNA LIFE INSURANCE CO | $5K | — | $5K | 4.89% |
| FOUR M CONSULTING INC. Filed as: FOUR M CONSULTING INC | 219 SEASONS DRIVE WEXFORD, PA 15090 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $6K | — | $6K | 9.99% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $4K | $8K | 17.48% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $4K | — | $4K | 29.78% |
| FOUR M CONSULTING INC.3 Filed as: FOUR M CONSULTING INC | 101 BRADFORD RD STE 100 WEXFORD, PA 15090 | HIGHMARK | $0 | — | $0 | 0.00% |
| CHUBB AND SON, A DIVISION OF FEDERA3 | 312 WALNUT ST. 18TH FLR CINCINNATI, OH 45202 | CHUBB-FEDERAL INSURANCE COMPANY | — | — | $0 | — |
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 | 229 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 322 | $152K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 298 | $23K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 230 | $95K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 230 | $192K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 229 | $47K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 227 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.