| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA CBDI | 3 EVES DRIVE, SUITE 150 MARLTON, NJ 08053 | INDEPENDENCE BLUE CROSS | $73K | — | $73K | 4.53% |
| EMERSON REID LLC3 Filed as: EMERSON DBA CBDI, INC. | 3 EVES DRIVE, SUITE 150 MARLTON, NJ 08053 | KEYSTONE HEALTH PLAN EAST | $42K | — | $42K | 4.22% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 3 EVES DRIVE, SUITE 150 MARLTON, NJ 08053 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $7K | — | $7K | 6.47% |
| THOMAS W MCKERNAN3 | 555 N LANE, SUITE 6060 CONSHOHOCKEN, PA 19428 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 6.88% |
| NSM INSURANCE GROUP3 | 555 NORTH LANE, SUITE 6060 CONSHOHOCKEN, PA 19428 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | — | $3K | 44.69% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 212 | $2.6M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 272 | $105K |
| Vision | VISION SERVICE PLAN | 0 | $5K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 2,374 | $80K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 2,374 | $72K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 212 | $1.6M |
| Other | UNION SECURITY INSURANCE COMPANY | 2,374 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,374 | — |
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."
No prospect flags tripped on this filing.