| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 16496 | UNITED HEALTHCARE INSURANCE CO | $36K | $0 | $36K | 2.28% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 16496 | UNITED HEALTHCARE INSURANCE CO | $18K | $0 | $18K | 1.15% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 19106 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $4K | $8K | 9.25% |
| SAVOY ASSOCIATES3 Filed as: DONALD SAVOY INC | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $412 | $3K | 3.46% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 19106 | KAISER FOUNDATION HEALTH PLAN OF THE MID ATLANTIC | $4K | $0 | $4K | 5.30% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 19106 | RELIANCE STANDARD | $2K | $0 | $2K | 10.42% |
| SAVOY ASSOCIATES3 Filed as: DONALD SAVOY INC | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | RELIANCE STANDARD | $1K | $0 | $1K | 5.00% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 19106 | RELIANCE STANDARD | $3K | $0 | $3K | 14.78% |
| SAVOY ASSOCIATES3 Filed as: DONALD SAVOY INC | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | RELIANCE STANDARD | $910 | $0 | $910 | 5.00% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 19106 | RELIANCE STANDARD | $1K | $0 | $1K | 11.00% |
| SAVOY ASSOCIATES3 Filed as: DONALD SAVOY INC | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | RELIANCE STANDARD | $575 | $0 | $575 | 5.00% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 19106 | RELIANCE STANDARD | $688 | $0 | $688 | 10.99% |
| SAVOY ASSOCIATES3 Filed as: DONALD SAVOY INC | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | RELIANCE STANDARD | $313 | $0 | $313 | 5.00% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE CO | 162 | $1.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 110 | $88K |
| Life insurance | RELIANCE STANDARD | 102 | $6K |
| Short-term disability(2 contracts) | RELIANCE STANDARD | 96 | $32K |
| Long-term disability | RELIANCE STANDARD | 104 | $18K |
| Other(2 contracts) | RELIANCE STANDARD | 102 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.