| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | $3K | $0 | $3K | 0.46% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | $3K | $0 | $3K | 1.23% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLS | 24 E 2ND ST 1ST FL MEDIA, PA 19063 | DELTA DENTAL OF PENNSYLVANIA | $2K | $0 | $2K | 5.00% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTION | 24 E 2ND ST 1ST FL MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $945 | $5K | 18.33% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTION | 24 E 2ND ST 1ST FL MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $554 | $3K | 18.16% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTION | 24 E 2ND ST 1ST FL MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $508 | $3K | 18.37% |
| TRIBEN INSURANCE SOLUTIONS INC3 | 24 E 2ND STREET MEDIA, PA 19063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $598 | $0 | $598 | 5.95% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS | 24 E 2ND STREET MEDIA, PA 19063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $89 | $0 | $89 | 0.89% |
| PICCIONE, EDWARD A3 Filed as: ED PICCIONE | 729 LYNWOOD DRIVE LANGHORNE, PA 19053 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | $0 | $43 | 0.43% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | $3K | $0 | $3K | 46.05% |
| TRIBEN INSURANCE SOLUTIONS INC3 | 24 E 2ND STREET MEDIA, PA 19063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $364 | $0 | $364 | 6.32% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS | 24 E 2ND STREET MEDIA, PA 19063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $259 | $0 | $259 | 4.50% |
| TRIBEN INSURANCE SOLUTIONS INC3 | 24 E 2ND STREET MEDIA, PA 19063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $278 | $0 | $278 | 5.84% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS | 24 E 2ND STREET MEDIA, PA 19063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $224 | $0 | $224 | 7.04% |
| TRIBEN INSURANCE SOLUTIONS INC3 | 24 E 2ND STREET MEDIA, PA 19063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $138 | $0 | $138 | 4.33% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTION | 24 E 2ND ST 1ST FL MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $217 | $48 | $265 | 18.33% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 202 | $721K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 183 | $48K |
| Vision | INDEPENDENCE BLUE CROSS | 202 | $6K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 166 | $18K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 63 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 48 | $15K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 202 | $247K |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 166 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.