| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: ERMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | $53K | — | $53K | 3.33% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 350 5TH AVE NEW YORK, NY 10118 | UNITED CONCORDIA INSURANCE COMPANY | $18K | — | $18K | 27.65% |
| EMERSON REID LLC3 | 350 5TH AVENUE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $5K | 21.50% |
| EMERSON REID LLC3 | 350 5TH AVENUE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 21.75% |
| EMERSON REID LLC3 | 350 5TH AVENUE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 22.03% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 23.05% |
| MATTHEW T O'HANLON3 Filed as: MATTHEW O'HANLON | 101 W ELM STREET SUITE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $2K | $211 | $2K | 15.08% |
| KMRD PARTNERS3 Filed as: KMRD PARTNERS, INC. | 2600 KELLY ROAD SUITE 120 WARRINGTON, PA 18976 | AFLAC | $819 | — | $819 | 6.88% |
| STEPHANIE A CANFIELD3 | 101 W ELM ST STE 420 CONSHOHOCKEN, PA 19420 | AFLAC | $545 | $32 | $577 | 4.85% |
| EMBROOK BENEFITS CONSULTING, LLC3 Filed as: EMBROOK BENEFITS CONSULTING LLC | 1601 MEADOWBROOK RD MEADOWBROOK, PA 19046 | AFLAC | $549 | — | $549 | 4.61% |
| MATTHEW T O'HANLON3 Filed as: MATTHEW T O HANLON | 101 W ELM ST STE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $404 | — | $404 | 3.39% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 374 | $1.6M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 198 | $66K |
| Vision | INDEPENDENCE BLUE CROSS | 374 | $1.6M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $41K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 97 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 97 | $25K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 374 | $1.6M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.