| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 630 WEST GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | $45K | $4K | $49K | 7.16% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 630 WEST GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | KEYSTONE | $17K | $442 | $17K | 9.28% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $9K | 7.97% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $958 | $8K | 7.32% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $158 | $158 | 3.49% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11 | $0 | $11 | 0.24% |
| USI INSURANCE SERVICES LLC3 | 1 INTERNATIONAL PLAZA 4TH FLOOR PHILADELPHIA, PA 19113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1 | $1 | 0.02% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 19422 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49 | $0 | $49 | 2.19% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $11 | $11 | 0.49% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 110 | $864K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $109K |
| Vision | INDEPENDENCE BLUE CROSS | 110 | $678K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $109K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $111K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $109K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 110 | $864K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.