| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PRECISION BENEFITS GROUP3 | 2325 BROWN ST STE 1F PHILADELPHIA, PA 19130 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $15K | — | $15K | 6.93% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 899 CASSATT ROAD SUITE 200 BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $9K | $9K | 3.96% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5250 N PALM SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| PRECISION BENEFITS GROUP3 | 2325 BROWN STREET SUITE 1F PHILADELPHIA, PA 19130 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 3.78% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC. | THE EMPIRE STATE BUILDING 350 FIFTH AVENUE NEW YORK, NY 10118 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.33% |
| PRECISION BENEFITS GROUP3 | 2325 BROWN STREET SUITE 1F PHILADELPHIA, PA 19130 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5250 N PALM SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC. | THE EMPIRE STATE BUILDING 350 FIFTH AVENUE NEW YORK, NY 10118 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.32% |
| PRECISION BENEFITS GROUP3 | 2325 BROWN STREET SUITE 1F PHILADELPHIA, PA 19130 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 6.73% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5250 N PALM SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC. | THE EMPIRE STATE BUILDING 350 FIFTH AVENUE NEW YORK, NY 10118 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $936 | $936 | 1.32% |
| PRECISION BENEFITS GROUP3 | 2325 BROWN STREET SUITE 1F PHILADELPHIA, PA 19130 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5250 N PALM SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC. | THE EMPIRE STATE BUILDING 350 FIFTH AVENUE NEW YORK, NY 10118 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $628 | $628 | 1.28% |
| PRECISION BENEFITS GROUP3 | 2325 BROWN ST STE 1F PHILADELPHIA, PA 191301957 | VISION SERVICE PLAN | $1K | — | $1K | 4.66% |
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 | 332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 242 | $222K |
| Vision | VISION SERVICE PLAN | 237 | $30K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 321 | $142K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 323 | $81K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 323 | $71K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 321 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.