| 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 | $0 | $8K | $8K | 0.89% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLS | 24 E 2ND ST 1ST FL MEDIA, PA 19063 | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 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 | $3K | $428 | $4K | 17.00% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTION | 24 E 2ND ST 1ST FL MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $311 | $3K | 17.00% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTION | 24 E 2ND ST 1ST FL MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $251 | $2K | 17.00% |
| TRIBEN INSURANCE SOLUTIONS INC3 | 24 E 2ND STREET MEDIA, PA 19063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $833 | $0 | $833 | 11.73% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS | 24 E 2ND STREET MEDIA, PA 19063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | $0 | $22 | 0.31% |
| PICCIONE, EDWARD A3 Filed as: PICCIONE ED | 729 LYNWOOD DRIVE LANGHORNE, PA 19053 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.14% |
| TRIBEN INSURANCE SOLUTIONS INC3 | 24 E 2ND STREET MEDIA, PA 19063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $529 | $0 | $529 | 12.28% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS | 24 E 2ND STREET MEDIA, PA 19063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | $0 | $60 | 1.39% |
| TRIBEN INSURANCE SOLUTIONS INC3 | 24 E 2ND STREET MEDIA, PA 19063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $370 | $0 | $370 | 10.16% |
| TRIBEN INSURANCE SOLUTIONS INC3 | 24 E 2ND STREET MEDIA, PA 19063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $195 | $0 | $195 | 6.98% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS | 24 E 2ND STREET MEDIA, PA 19063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | $0 | $28 | 1.00% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTION | 24 E 2ND ST 1ST FL MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $140 | $19 | $159 | 17.01% |
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 | 153 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 209 | $909K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 199 | $51K |
| Vision | VISION BENEFITS OF AMERICA | 116 | $12K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 167 | $16K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 52 | $21K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 39 | $13K |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 167 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
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.