| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRISP INSURANCE ADVISORS LLC3 | 1250 ROUTE 28 SUITE 201 BRANCHBURG, NJ 08876 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $2K | $34K | 8.25% |
| AXG ADVISORS3 | 2001 HAMILTON ST., UNIT 517 PHILADELPHIA, PA 19130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 6.49% |
| AXG ADVISORS3 Filed as: AXG INSURANCE ADVISORS | 1735 MARKET ST., SUITE 3750 PHILADELPHIA, PA 19103 | PAN AMERICAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.43% |
| CRISP INSURANCE ADVISORS LLC3 | 1250 ROUTE 28 SUITE 201 BRANCHBURG, NJ 08876 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $632 | $13K | 8.57% |
| AXG ADVISORS3 | 2001 HAMILTON ST., UNIT 517 PHILADELPHIA, PA 19130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 6.30% |
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 | 2,062 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,069 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PAN AMERICAN LIFE INSURANCE COMPANY | 57 | $199K |
| Vision | VISION SERVICE PLAN | 1,523 | $148K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,062 | $573K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,062 | $418K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,062 | $573K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,062 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.