| 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 | INDEPENDENT BLUE CROSS | $77K | $0 | $77K | 6.76% |
| NEW BRIDGE PARTNERS LLC3 | GSB BUILDING ONE BELMONT AVE., STE 304 PHILADELPHIA, PA 19004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 10.91% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS | $4K | $0 | $4K | 7.67% |
| EMERSON REID LLC Filed as: EMERSON REID DBA TRA BENEFIT | EMPIRE STATE BUILDING 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10118 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $3K | $0 | $3K | 7.17% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | AMERIHEALTH INSURANCE COMPANY | $447 | — | $447 | 5.85% |
| ASSURANCE AGENCY LTD3 Filed as: EMPLOYER ASSURANCE SOLUTIONS LLC | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $13K | $18K | — |
| HILARY RADOLEC3 Filed as: HILARY BISSETT RADOLEC | 4801 FAIRMONT AVE BETHESDA, MD 20814 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $226 | $2K | — |
| MILLENNIUM CORPORATE SOLUTIONS3 Filed as: MILLENNIUM LLC | 10 WHARTON DRIVE GLEN MILLS, PA 19342 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $518 | $811 | $1K | — |
| MIKE COSTANZO3 | 10 WHARTON DR GLEN MILLS, PA 19342 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $240 | $1K | $1K | — |
| AKIO L. BLEY3 Filed as: AKIO BLEY | GSB BUILDING BALA CYNWYD, PA 19004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $804 | $0 | $804 | — |
| JONATHAN CHILDS3 | 284 PRINCE WILLIAM WAY CHALFONT, PA 18914 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $465 | $193 | $658 | — |
| ZACHARY A FOWL3 | 10 BRENDA STREET PORT DEPOSIT, MD 21904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $471 | $26 | $497 | — |
| THOMAS ZACHARY MARNANE3 | 3521 DEEP LANDING ROAD HUNTINGTOWN, MD 20639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $469 | $0 | $469 | — |
| NATHAN LIPINSKI3 | 94-236 KUANALIO LOOP MILILANI, HI 96789 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | $0 | $176 | — |
| JOSEPH C SPURIO3 | 2416A W TOWNSHIPLINE ROAD HAVERTOWN, PA 19083 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | $0 | $160 | — |
| PHILLIP LORENZON3 | 427 TWINBROOK ROAD PERKASIE, PA 18944 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $20 | $85 | — |
| JEFFERY MOTSCO3 | 5965 SANDY RIDGE ELKRIDGE, MD 21075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $22 | $61 | — |
| ROBERT GILLIAM3 Filed as: ROBERT WILLIAM GILLIAM | 306 TROON CIRCLE MOUNT AIRY, MD 21771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | — |
| TRI STATE BENEFIT ADVISORS INC3 Filed as: TRI STATE BENEFITS ADVISORS INC. | 233 OSBORN STREET PHILADELPHIA, PA 19128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $3 | $12 | — |
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 | 284 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENT BLUE CROSS | 163 | $1.2M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 131 | $39K |
| Vision | INDEPENDENCE BLUE CROSS | 56 | $54K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 256 | $155K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 256 | $155K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 256 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.