| 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 | INDEPENDENCE BLUE CROSS | $92K | — | $92K | 4.85% |
| FOUR M CONSULTING INC.3 Filed as: FOUR M CONSULTING INC | 101 BRADFORD RD STE 100 WEXFORD, PA 15090 | HIGHMARK | $24K | — | $24K | 1.90% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS | $34K | — | $34K | 4.65% |
| FOUR M CONSULTING INC.3 Filed as: FOUR M CONSULTING INC | 219 SEASONS DRIVE WEXFORD, PA 15090 | AETNA LIFE INSURANCE CO | $5K | — | $5K | 4.55% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $12K | $23K | 21.84% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $12K | $18K | 16.89% |
| FOUR M CONSULTING INC.3 Filed as: FOUR M CONSULTING INC | 219 SEASONS DRIVE WEXFORD, PA 15090 | UNITED CONCORDIA INSURANCE COMPANY | $8K | — | $8K | 10.02% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $6K | $10K | 19.60% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS | $5K | — | $5K | 33.65% |
| FOUR M CONSULTING INC.3 Filed as: FOUR M CONSULTING INC | 101 BRADFORD RD STE 100 WEXFORD, PA 15090 | HIGHMARK | — | — | $0 | 0.00% |
| GLOBAL UNDERWRITERS AGCY INC3 | 3195 LINWOOD RD #201 CINCINNATI, OH 45208 | CHUBB-FEDERAL INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 273 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 347 | $190K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 325 | $26K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $110K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $215K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $52K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 228 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.