| 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 | $70K | — | $70K | 4.10% |
| EMERSON REID LLC3 Filed as: EMERSON DBA CBDI, INC. | 3 EVES DRIVE, SUITE 150 MARLTON, NJ 08053 | KEYSTONE HEALTH PLAN EAST | $47K | — | $47K | 4.51% |
| THE JAMES B OSWALD COMPANY3 | 1360 E 9TH ST #600 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $27K | $4K | $30K | 3.53% |
| BENEFIT ANALYST LLC3 | 4736 W NAPOLEON AVE 3RD FLOOR METAIRIE, LA 70001 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $7K | $4K | $11K | 3.85% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44144 | GUARDIAN | $12K | $7K | $19K | 12.95% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 3 EVES DRIVE, SUITE 150 MARLTON, NJ 08053 | UNITED CONCORDIA INSURANCE COMPANY | $7K | — | $7K | 6.50% |
| THOMAS W MCKERNAN3 | 555 NORTH LANE SUITE 6060 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 7.76% |
| THOMAS W MCKERNAN3 | 555 EAST NORTH LANE, SUITE 6060 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $1K | — | $1K | 5.71% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA CBDI | 9 EVES DRIVE MARLTON, NJ 08053 | AMERIHELATH INSURANCE COMPANY | $610 | $76 | $686 | 4.13% |
| BENEFIT ANALYST LLC3 Filed as: BENEFIT ANALYST, LLC | 4736 W NAPOLEON AVE 3RD FLOOR METAIRIE, LA 70001 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 474 | 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) | 474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | INDEPENDENCE BLUE CROSS | 218 | $3.9M |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 254 | $251K |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 140 | $169K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 210 | $245K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 140 | $158K |
| Long-term disability(3 contracts, 3 carriers) | GUARDIAN | 210 | $253K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 218 | $2.0M |
| Other | GUARDIAN | 140 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.