| 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 | $69K | — | $69K | 6.14% |
| NEWBRIDGE PARTNERS LLC3 | 1 BELMONT AVENUE SUITE 304 BALA CYNWYD, PA 19004 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | $5K | — | $5K | 6.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | UNITED CONCORDIA INSURANCE COMPANY | $2K | — | $2K | 6.48% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE AND ACCIDENT INSUR CO | P O BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $439 | $8K | 26.91% |
| ADVANCED BENEFITS COMMUNICATIONS3 Filed as: ADVANCED BENEFITS CONSULTANTS INC | 1 BELMONT AVENUE SUITE 304 BALA CYNWYD, PA 19004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 14.44% |
| MICHAEL R ACKERMAN3 Filed as: MICHAEL R. ACKERMAN | 435 DEVON PARK DR WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $793 | $61 | $854 | 2.78% |
| PATRICIA ANNE PRENDERGAST3 | 1385 BITTERSWEET LANE WEST CHESTER, PA 19380 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $806 | $28 | $834 | 2.71% |
| LYNN MARIE BARRY3 | 301 W PARK AVE LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $380 | $194 | $574 | 1.87% |
| MARLENE R. CONROY AND VAROUS AGENTS3 Filed as: MARLENE RENEE CONROY | 2 PARSONS DR SWAMPSCOTT, MA 01907 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $352 | — | $352 | 1.14% |
| LISA OLIANO3 | 906 ARTIS ROAD PLYMOUTH MEETING, PA 19462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $348 | — | $348 | 1.13% |
| ASSURANCE AGENCY LTD3 Filed as: EMPLOYER ASSURANCE SOLUTIONS LLC | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $309 | — | $309 | 1.00% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $66 | $192 | 0.62% |
| EDWARD FRANCIS KLINGES3 Filed as: EDWARD F KLINGES | 10 BLACKBURN LANE HAVERFORD, PA 19041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | $84 | $183 | 0.60% |
| HILARY RADOLEC3 Filed as: HILARY B. RADOLEC | 165 CROWBOW LANE GAITHERSBURG, MD 20878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 0.35% |
| SARAH WEYMOUTH Filed as: SARAH E. PERCHESKI | 2 GEORGETOWN RD CARNEYS POINT, NJ 08069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.10% |
| MORGAN PERRI3 | 23 VOM EIGEN DR MORRISTOWN, NJ 07960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $2 | $20 | 0.07% |
| ZACHARY A FOWL3 | 10 BRENDA STREET PORT DEPOSIT, MD 21904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.05% |
| LEITZ INSURANCE AGENCY LLC3 | 10 TRADITION CIRCLE EGG HARBOR TWP, NJ 08234 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $3 | $7 | 0.02% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | $1K | — | $1K | 7.10% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | UNITED CONCORDIA DENTAL PLANS OF PA, INC | $868 | — | $868 | 6.51% |
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 | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 122 | $1.1M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 111 | $48K |
| Vision | INDEPENDENCE BLUE CROSS | 24 | $15K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 134 | $97K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 134 | $128K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 134 | $97K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 24 | $15K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 134 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.