| 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 KEYSTONE HPE | $8K | $96K | $104K | 2.28% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $7K | — | $7K | 4.22% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 1767 SENTRY PARKWAY W VEVA 16, SUITE 320 BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS PERSONAL CHOICE | $84 | — | $84 | 0.12% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | AMERIHEALTH INSURANCE COMPANY | $113 | — | $113 | 0.22% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W DEKALB PIKE WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.28% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 WEST DEKALB PIKE WAYNE, PA 19087 | KANSAS CITY LIFE INSURANCE CO. | $2K | — | $2K | 8.00% |
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 | 469 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS KEYSTONE HPE | 547 | $4.7M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 672 | $171K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS KEYSTONE HPE | 547 | $4.7M |
| Life insurance | KANSAS CITY LIFE INSURANCE CO. | 469 | $20K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $51K |
| Prescription drug | INDEPENDENCE BLUE CROSS PERSONAL CHOICE | 2 | $67K |
| Other | KANSAS CITY LIFE INSURANCE CO. | 469 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 672 | — |
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.