| 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 | $22K | $7K | $29K | 4.55% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | $12K | $3K | $15K | 6.90% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JKJ BENEFITS | INSURANCE AGENCY 109 PHEASANT RUN NEWTOWN, PA 18940 | UNION SECURITY INSURANCE COMPANY | $9K | $2K | $11K | 9.19% |
| JOHNSON KENDALL AND JOHNSON3 | BENEFITS INC. 109 PHEASANT RUN NEWTOWN, PA 18940 | VISION SERVICE PLAN | $567 | — | $567 | 8.94% |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 26 | $214K |
| Dental | UNION SECURITY INSURANCE COMPANY | 108 | $118K |
| Vision | VISION SERVICE PLAN | 68 | $6K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 108 | $118K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 108 | $118K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 108 | $118K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 52 | $642K |
| Other | UNION SECURITY INSURANCE COMPANY | 108 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.