| 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 | $0 | $7K | $7K | 0.75% |
| 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 | $849 | $4K | 18.51% |
| 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 | $464 | $3K | 18.41% |
| 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 | $474 | $2K | 18.80% |
| TRIBEN INSURANCE SOLUTIONS INC3 | 24 E 2ND STREET MEDIA, PA 19063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $913 | $0 | $913 | 10.11% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS | 24 E 2ND STREET MEDIA, PA 19063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $92 | $0 | $92 | 1.02% |
| PICCIONE, EDWARD A3 Filed as: ED PICCIONE | 729 LYNWOOD DRIVE LANGHORNE, PA 19053 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | $0 | $48 | 0.53% |
| TRIBEN INSURANCE SOLUTIONS INC3 | 24 E 2ND STREET MEDIA, PA 19063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $565 | $0 | $565 | 10.77% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS | 24 E 2ND STREET MEDIA, PA 19063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $282 | $0 | $282 | 5.38% |
| TRIBEN INSURANCE SOLUTIONS INC3 | 24 E 2ND STREET MEDIA, PA 19063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $444 | $0 | $444 | 10.05% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS | 24 E 2ND STREET MEDIA, PA 19063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $231 | $0 | $231 | 7.32% |
| TRIBEN INSURANCE SOLUTIONS INC3 | 24 E 2ND STREET MEDIA, PA 19063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $221 | $0 | $221 | 7.00% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTION | 24 E 2ND ST 1ST FL MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $173 | $42 | $215 | 18.61% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 198 | $999K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 175 | $48K |
| Vision | VISION BENEFITS OF AMERICA | 109 | $11K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 164 | $12K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 57 | $24K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 42 | $14K |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 164 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.