| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM RIZZO3 | 1 COOPERSHAWK LANE CHADDS FORD, PA 19317 | CONNECTICARE INC. | $43K | $3K | $46K | 3.90% |
| BK GROUP BENEFITS LLC3 | 531 MAIN STREET BRANFORD, CT 06405 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.79% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.73% |
| QUANTUM STRATEGIES3 | 12 REGENCY PLAZA GLEN MILLS, PA 19342 | EYEMED VISION CARE LLC | $1K | — | $1K | 9.98% |
| EMERSON REID LLC3 Filed as: EMERSON REID -- BLUE BELL, PA | 1787 SENTRY PARKWAY WEST VEVA 16 #320 BLUE BELL, PA 19422 | EYEMED VISION CARE LLC | $653 | — | $653 | 4.99% |
| QUANTUM STRATEGIES3 | 12 REGENCY PLAZA GLEN MILLS, PA 19342 | DISCOUNT DRUG NETWORK LLC DBA ALLYHEALTH | $2K | — | $2K | 20.50% |
| EMERSON REID LLC3 | 350 5TH AVENUE STE 3700 NEW YORK, NY 10018 | MUTUAL OF OMAHA INSURANCE COMPANY | $318 | $205 | $523 | 16.44% |
| BK GROUP BENEFITS LLC3 | 531 MAIN STREET BRANFORD, CT 06405 | STANDARD INSURANCE COMPANY | $251 | — | $251 | 8.71% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $106 | — | $106 | 3.68% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE INC. | 185 | $1.2M |
| Dental | STANDARD INSURANCE COMPANY | 123 | $40K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE LLC | 123 | $16K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 236 | $3K |
| Other | DISCOUNT DRUG NETWORK LLC DBA ALLYHEALTH | 148 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.