| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXG ADVISORS3 | 50 S 16TH ST 17TH FL PHILADELPHIA, PA 19102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $134K | $0 | $134K | 12.25% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $156K | $31K | $186K | 29.22% |
| AXG ADVISORS3 | 50 S 16TH ST 17TH FL PHILADELPHIA, PA 19102 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $33K | $0 | $33K | 5.22% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12 ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $969 | $3K | 0.55% |
| ROSE GLEN LLC3 | 308 E LANCASTER AVE STE 301 WYNNEWOOD, PA 19096 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.17% |
| CRISP INSURANCE ADVISORS LLC3 | 1250 ROUTE 28 STE 201 BRANCHBURG, NJ 08876 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $669 | $0 | $669 | 0.10% |
| PAPANIER GEORGE T3 | 1735 MARKET ST STE 3750 PHILADELPHIA, PA 19103 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $586 | $0 | $586 | 0.09% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $144K | $27K | $171K | 29.01% |
| AXG ADVISORS3 | 50 S 16TH ST 17TH FLOOR PHILADELPHIA, PA 19102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $60K | $0 | $60K | 10.21% |
| CRISP INSURANCE ADVISORS LLC3 | 1250 ROUTE 28 SUITE 201 BRANCHBURG, NJ 08876 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.24% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH ST HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $960 | $0 | $960 | 0.16% |
| ROSE GLEN LLC3 | 308 E LANCASTER AVE STE 301 WYNNEWOOD, PA 19096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $413 | $0 | $413 | 0.07% |
| AXG ADVISORS3 | 50 S 16TH STREET 17TH FL PHILADELPHIA, PA 19102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $71K | $0 | $71K | 14.55% |
| AXG ADVISORS3 Filed as: AXG INSURANCE ADVISORS | 1735 MARKET ST. SUITE 3750 PHILADELPHIA, PA 19103 | PAN AMERICAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.61% |
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 | 4,480 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 64 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PAN AMERICAN LIFE INSURANCE COMPANY | 111 | $346K |
| Vision | VISION SERVICE PLAN | 3,003 | $273K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,975 | $1.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,975 | $1.1M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,975 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,975 | — |
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.