| 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 | $73K | — | $73K | 6.13% |
| NEWBRIDGE PARTNERS LLC3 | 1 BELMONT AVE SUITE 304 BALA CYNWYD, PA 19004 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 9.32% |
| EMERSON REID LLC3 Filed as: EMERSION REID DBA TRA BENEFIT | 630 W GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | $6K | — | $6K | 6.92% |
| EMERSON REID LLC Filed as: EMERSON REID DBA TRA BENEFIT | 305 5TH AVENUE STE 3700 NEW YORK, NY 10118 | UNITED CONCORDIA INSURANCE COMPANY | $2K | — | $2K | 5.56% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS COMMUNICATION LLC | GSB BUILDING ONE BELMONT AVE BALA CYNWYD, PA 19004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 21.67% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DR WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $946 | — | $946 | 3.83% |
| PATRICIA ANNE PRENDERGAST3 Filed as: PATRICIA ANNE PREDERGAST | 1385 BITTERSWEET LANE WEST CHESTER, PA 19380 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $827 | — | $827 | 3.35% |
| LISA OLIANO3 | 906 ARTIS RD PLYMOUTH MTG, PA 19462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $706 | — | $706 | 2.86% |
| LYNN MARIE BARRY3 | 301 W PARK AVENUE LONGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $663 | — | $663 | 2.68% |
| SARAH WEYMOUTH3 Filed as: SARAH E PERCHESKI | 2 GEORGETOWN RD CARNEYS POINT, NJ 08069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $374 | — | $374 | 1.51% |
| ASSURANCE AGENCY LTD3 Filed as: EMPLOYER ASSURANCE SOLUTIONS LLC | 4281 BUCKSKIN WOOD DR ELLICOT CITY, MD 21042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $340 | — | $340 | 1.38% |
| MORGAN PERRI3 | 23 VOM EIGEN DR MORRISTOWN, NJ 07960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $225 | — | $225 | 0.91% |
| HILARY RADOLEC3 Filed as: HILARY BISSETT RADOLEC | 165 CROSSBOW LANE GAITHERSBURG, MD 20878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | — | $121 | 0.49% |
| LEITZ INSURANCE AGENCY LLC3 | 10 TRADITION CIRCLE EGG HARBOR TWP, NJ 08234 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 0.39% |
| LISA A PERRI3 Filed as: LISA A. PERRI | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.32% |
| ZACHARY A FOWL3 Filed as: ZACHARY A. FOWL | 10 BRENDA STREET PORT DEPOSIT, MD 21904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.06% |
| EMERSON REID LLC Filed as: EMERSON REID DBA TRA BENEFIT | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC | $742 | — | $742 | 5.39% |
| EMERSON REID LLC Filed as: EMERSON REID & COMPANY | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | COMBINED INSURANCE COMPANY OF AMERICA | $154 | — | $154 | 5.04% |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 127 | $1.2M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 104 | $48K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 139 | $129K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 139 | $102K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 9 | $88K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 139 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.