| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $71K | — | $71K | 6.10% |
| NEWBRIDGE PARTNERS LLC3 | 1 BELMONT AVENUE SUITE 304 BALA CYNWYD, PA 19004 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 9.98% |
| NEWBRIDGE PARTNERS LLC3 | 1 BELMONT AVENUE SUITE 304 BALA CYNWYD, PA 19004 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 10.88% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $3K | — | $3K | 5.12% |
| EMERSON REID LLC Filed as: EMERSON REID DBA TRA BENEFIT | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $0 | $2K | 6.05% |
| EMERSON REID LLC Filed as: EMERSON REID DBA TRA BENEFIT | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC | $708 | — | $708 | 5.85% |
| ASSURANCE AGENCY LTD3 Filed as: EMPLOYER ASSURANCE SOLUTIONS LLC | 4281 BUCKSKIN WOOD DR ELLICOT CITY, MD 21042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $596 | $93 | $689 | 6.86% |
| MILLENNIUM CORPORATE SOLUTIONS3 Filed as: MILLENNIUM LLC | 7108 CORNERSTONE DR NEWTOWN SQUARE, PA 19073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $255 | $0 | $255 | 2.54% |
| HILARY RADOLEC3 Filed as: HILARY BISSETT RADOLEC | 4801 FAIRMONT AVE BETHESDA, MD 20814 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $162 | $0 | $162 | 1.61% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DR WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $2 | $48 | 0.48% |
| SAMANTHA ANN MORINGSTAR3 | 4281 BUCKDKIN WOOD DR ELLICOT CITY, MD 21042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $1 | $21 | 0.21% |
| ZACHARY A FOWL3 | 10 BRENDA STREET PORT DEPOSIT, MD 21904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.21% |
| EMERSON REID LLC Filed as: EMERSON REID AND COMPANY | 1787 SENTRY PKWY W 16 STE 320 BLUE BELL, PA 19422 | COMBINED INSURANCE OF AMERICA | $147 | — | $147 | 5.25% |
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 | 135 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 142 | $1.2M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 120 | $49K |
| Vision | INDEPENDENCE BLUE CROSS | 5 | $65K |
| Life insurance(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 150 | $178K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 150 | $165K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 150 | $165K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 5 | $65K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 150 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.