| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 630 WEST GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | $80K | $0 | $80K | 7.91% |
| CHRISTI GROUP LLC3 | 320 BICKLEY ROAD GLENSIDE, PA 19038 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 3.55% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY INC | 1787 SENTRY PARKWAY WEST, SUITE 320 BUILDING 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $580 | $10K | 5.57% |
| CHRISTI GROUP LLC3 | 550 PINETOWN ROAD, SUITE 470 FORT WASHINGTON, PA 19034 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 5.29% |
| CHRISTI GROUP LLC3 | 320 BICKLEY ROAD GLENSIDE, PA 19038 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $522 | $0 | $522 | 7.88% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 136 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $172K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $172K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $277K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $270K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 136 | $1.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.