| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRISP INSURANCE ADVISORS LLC3 | 150 S. WARNER RD., SUITE 420 KING OF PRUSSIA, PA 19406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | $2K | $52K | 15.75% |
| CRISP INSURANCE ADVISORS LLC3 | 150 S. WARNER RD., SUITE 420 KING OF PRUSSI, PA 19406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $833 | $17K | 15.65% |
| CRISP INSURANCE ADVISORS LLC3 | 1250 ROUTE 28, SUITE 28 BRANCHBURG, NJ 08876 | PAN AMERICAN LIFE INSURANCE COMPANY | $950 | — | $950 | 1.27% |
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 | 1,641 | 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) | 1,644 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PAN AMERICAN LIFE INSURANCE COMPANY | 19 | $75K |
| Vision | VISION SERVICE PLAN | 1,390 | $132K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,741 | $444K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,741 | $332K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,741 | $444K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,741 | — |
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.