| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $69K | $2K | $70K | 5.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 5.97% |
| TOUCHCARE HOLDINGS LLC3 | 111 W 19TH STREET, 2 FL NEW YORK, NY 10011 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $950 | $950 | 1.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN BROWN OF PA INC | 125 E ELM ST SUITE 210 CONSHOHOCKEN, PA 19428 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $821 | $0 | $821 | 1.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 7.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA, INC. | 125 E ELM ST SUITE 210 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 1.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | NAME OF INSURANCE CARRIER NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW | $3K | $0 | $3K | 6.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA, INC. | 125 E ELM ST SUITE 210 CONSHOHOCKEN, PA 19428 | NAME OF INSURANCE CARRIER NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW | $772 | $0 | $772 | 1.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 9.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA, INC | 125 E ELM ST SUITE 210 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $947 | $0 | $947 | 2.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD WARRIGTON, PA 18976 | EYEMED | $1K | $0 | $1K | 6.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA ALPHA BENEFITS - | 125 E ELM STREET #210 CONSHOHOCKEN, PA 19428 | EYEMED | $669 | $0 | $669 | 3.45% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 260 | $1.3M |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 145 | $78K |
| Vision | EYEMED | 298 | $19K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 188 | $56K |
| Short-term disability(2 contracts, 2 carriers) | NAME OF INSURANCE CARRIER NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW | 188 | $85K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 188 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.