| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 630 WEST GERMANTOWN PIKE, SUITE 615 PLYMOUTH MEETING, PA 19462 | KEYSTONE HEALTH PLAN EAST | $20K | — | $20K | 4.86% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM COMPANY | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | KEYSTONE HEALTH PLAN EAST | $1K | — | $1K | 0.24% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 630 WEST GERMANTOWN PIKE, SUITE 215 PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS | $16K | — | $16K | 5.20% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM COMPANY | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | INDEPENDENCE BLUE CROSS | $850 | — | $850 | 0.28% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | STANDARD INSURANCE COMPANY | $12K | $3K | $15K | 13.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1 INTERNATIONAL PLAZA, SUITE 400 PHILADELPHIA, PA 19113 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $24 | $3K | 3.64% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 3716 NORFOLK, VA 23514 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.65% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM COMPANY | PO BOX 7247 PHILADELPHIA, PA 19170 | METROPOLITAN LIFE INSURANCE COMPANY | $359 | $58 | $417 | 0.56% |
| BERTHOLON ROWLAND INC3 Filed as: BERTHOLON ROWLAND, INC. | 1 INTERNATIONAL PLAZA, SUITE 400 PHILADELPHIA, PA 19113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $188 | $2K | 16.22% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 630 WEST GERMANTOWN PIKE SUITE 215 PLYMOUTH MEETING, PA 19462 | AMERIHEALTH HMO, INC. | $874 | — | $874 | 5.96% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM COMPANY | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | AMERIHEALTH HMO, INC. | $75 | — | $75 | 0.51% |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KEYSTONE HEALTH PLAN EAST | 75 | $731K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 170 | $74K |
| Life insurance | STANDARD INSURANCE COMPANY | 113 | $114K |
| Short-term disability | STANDARD INSURANCE COMPANY | 113 | $114K |
| Long-term disability | STANDARD INSURANCE COMPANY | 113 | $114K |
| Prescription drug(3 contracts, 3 carriers) | KEYSTONE HEALTH PLAN EAST | 75 | $731K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 113 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.