| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE, SUITE 215 PLYMOUTH MEETING, PA 19462 | KEYSTONE HEALTH PLAN EAST | $59K | — | $59K | 3.29% |
| BROKERAGE CONCEPTS INC3 Filed as: BROKERAGE CONCEPTS, INC. | 801 LAKEVIEW DRIVE #301 BLUE BELL, PA 19422 | KEYSTONE HEALTH PLAN EAST | $31K | — | $31K | 1.71% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE, SUITE 215 PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS | $41K | — | $41K | 3.26% |
| BROKERAGE CONCEPTS INC3 Filed as: BROKERAGE CONCEPTS, INC. | 801 LAKEVIEW DRIVE #301 BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $21K | — | $21K | 1.66% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE, SUITE 215 PLYMOUTH MEETING, PA 19462 | AMERIHEALTH INSURANCE COMPANY | $40K | — | $40K | 3.45% |
| BROKERAGE CONCEPTS INC3 Filed as: BROKERAGE CONCEPTS, INC. | 801 LAKEVIEW DRIVE #301 BLUE BELL, PA 19422 | AMERIHEALTH INSURANCE COMPANY | $15K | — | $15K | 1.30% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE, SUITE 215 PLYMOUTH MEETING, PA 19462 | KEYSTONE HEALTH PLAN EAST | $34K | — | $34K | 3.81% |
| BROKERAGE CONCEPTS INC3 Filed as: BROKERAGE CONCEPTS, INC. | 801 LAKEVIEW DRIVE #301 BLUE BELL, PA 19422 | KEYSTONE HEALTH PLAN EAST | $19K | — | $19K | 2.12% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKEM, SUITE 215 PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS | $13K | — | $13K | 3.20% |
| BROKERAGE CONCEPTS INC3 Filed as: BROKERAGE CONCEPTS, INC. | 801 LAKEVIEW DRIVE #301 BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $6K | — | $6K | 1.31% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W. DEKALB PIKE WAYNE, PA 19087 | AETNA, INC. | $15K | — | $15K | 4.79% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W. DEKALB PIKE WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 9.76% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W. DEKALB PIKE WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.34% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES INC | 1111 W. DEKALB PIKE WAYNE, PA 19087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $680 | — | $680 | 5.38% |
| ALFRED J HEALY3 | 811 BETHLEHEM PIKE GLENSIDE, PA 19038 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $151 | — | $151 | 1.19% |
| BEN AWARE LLC3 | 811 BETHLEHEM PIKE GLENSIDE, PA 19038 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $124 | — | $124 | 0.98% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES INC | 1111 W. DEKALB PIKE WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $441 | — | $441 | 11.51% |
| BEN AWARE LLC3 | 811 BETHLEHEM PIKE GLENSIDE, PA 19038 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $100 | — | $100 | 2.61% |
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 | 843 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 847 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | KEYSTONE HEALTH PLAN EAST | 315 | $5.6M |
| Dental | AETNA, INC. | 1,168 | $323K |
| Vision | VISION BENEFITS OF AMERICA | 661 | $43K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 843 | $317K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 843 | $308K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 843 | $295K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 843 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,168 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.