| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFICIAL INSURANCE SERVICES LLC3 Filed as: BENEFICIAL INSURANCE SERVICES | 1818 MARKET STREET, SUITE 2100 PHILADELPHIA, PA 19103 | ONE AMERICA | $19K | — | $19K | 10.50% |
| TRIBEN INSURANCE SOLUTIONS INC Filed as: TRIBEN INSURANCE SOLUTIONS INC. | 24 EAST 2ND STREET 1ST FLOOR MEDIA, PA 19063 | ONE AMERICA | $8K | $4K | $12K | 6.98% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | BLUE CROSS | — | $39K | $39K | 35.06% |
| BENEFICIAL INSURANCE SERVICES LLC3 Filed as: BENEFICIAL INSURANCE SERVICES | — | DELTA DENTAL OF PENNSYLVANIA | $3K | — | $3K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $2K | — | $2K | 3.32% |
| BENEFICIAL INSURANCE SERVICES LLC3 Filed as: BENEFICIAL INSURANCE SERVICES, LLC | 1818 MARKET STREET PHILADELPHIA, PA 19103 | VISION SERVICE PLAN | $730 | — | $730 | 1.41% |
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 | 0 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE | 553 | $4.4M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 521 | $58K |
| Vision | VISION SERVICE PLAN | 370 | $52K |
| Life insurance | ONE AMERICA | 0 | $177K |
| Short-term disability | ONE AMERICA | 0 | $177K |
| Long-term disability | ONE AMERICA | 0 | $177K |
| Prescription drug | INDEPENDENCE BLUE CROSS - DRUG | 181 | $302K |
| Other | ONE AMERICA | 0 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.