| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | $66K | $0 | $66K | 6.17% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | $4K | $0 | $4K | 6.08% |
| NEWBRIDGE PARTNERS LLC3 | 1 BELMONT AVE STE 304 BALA CYNWYD, PA 19004 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.25% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | UNITED CONCORDIAINSURANCE COMPANY | $2K | $0 | $2K | 7.49% |
| ASSURANCE AGENCY LTD3 Filed as: EMPLOYER ASSURANCE SOLUTIONS LLC | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 14.16% |
| KENNETH R ADEL3 | 37 KINGS MILL RD MONROE TOWNSHIP, NJ 08831 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $446 | $0 | $446 | 2.60% |
| HILARY RADOLEC3 Filed as: HILARY BISSETT RADOLEC | 4801 FAIRMONT AVE BETHESDA, MD 20814 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $288 | $8 | $296 | 1.73% |
| JULIA GEORGE3 | 775 NJ-70 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $32 | $51 | 0.30% |
| MILLENNIUM CORPORATE SOLUTIONS3 Filed as: MILLENNIUM LLC | 7108 CORNERSTONE DR NEWTOWN SQUARE, PA 19073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 0.26% |
| ZACHARY A FOWL3 | 10 BRENDA STREET PORT DEPOSIT, MD 21904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 0.23% |
| MERRIDITH STANTON3 | 316 WOODLAWN TERRACE COLLINGSWOOD, NJ 08108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $6 | $25 | 0.15% |
| JOSEPH C SPURIO3 | 2416A W TOWNSHIPLINE ROAD HAVERTOWN, PA 19083 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.07% |
| TRI STATE BENEFIT ADVISORS INC3 | 233 OSBORN ST PHILADELPHIA, PA 19128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| NATHAN LIPINSKI3 | 94-236 KUANALIO LOOP MILILANI, HI 96789 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 350 5TH AVENUE SUITE 3700 NEW YORK, PA 10118 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $997 | $0 | $997 | 7.03% |
| EMERSON REID LLC Filed as: EMERSON REID AND COMPANY | 1787 SENTRY PKWY W 16 STE 320 BLUE BELL, PA 19422 | COMBINED INSURANCE | — | — | $0 | 0.00% |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 129 | $1.1M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIAINSURANCE COMPANY | 115 | $47K |
| Vision | INDEPENDENCE BLUE CROSS | 8 | $73K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 131 | $88K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 131 | $68K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 131 | $68K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 8 | $73K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 131 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.