| 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 | $181K | $0 | $181K | 14.92% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $137K | $24K | $161K | 20.08% |
| AXG ADVISORS3 | 50 S 16TH ST 17TH FL PHILADELPHIA, PA 19102 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $0 | $20K | 2.52% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.31% |
| ROSE GLEN LLC3 | 308 E LANCASTER AVE STE 301 WYNNEWOOD, PA 19096 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.13% |
| CRISP INSURANCE ADVISORS LLC3 | 1250 ROUTE 28 STE 201 BRANCHBURG, NJ 08876 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $574 | $0 | $574 | 0.07% |
| PAPANIER GEORGE T3 Filed as: PAPANIER GEORGE, T | 1735 MARKET ST STE 3750 PHILADELPHIA, PA 19103 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $520 | $0 | $520 | 0.06% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $122K | $20K | $142K | 19.85% |
| AXG ADVISORS3 | 50 S 16TH ST 17TH FLOOR PHILADELPHIA, PA 19102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52K | $0 | $52K | 7.21% |
| CRISP INSURANCE ADVISORS LLC3 | 1250 ROUTE 28 SUITE 201 BRANCHBURG, NJ 08876 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $620 | $0 | $620 | 0.09% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH ST HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27 | $0 | $27 | 0.00% |
| ROSE GLEN LLC3 | 308 E LANCASTER AVE STE 301 WYNNEWOOD, PA 19096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11 | $0 | $11 | 0.00% |
| AXG ADVISORS3 | 50 S 16TH STREET 17TH FL PHILADELPHIA, PA 19102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $84K | $0 | $84K | 14.67% |
| AXG ADVISORS3 Filed as: AXG INSURANCE ADVISORS | 50 S 16TH STREET 17TH FLOOR PHILADELPHIA, PA 19102 | PAN AMERICAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 1.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | KAISER FOUNDATION HEALTH PLAN INC | $5K | $0 | $5K | 4.75% |
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 | 5,234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 76 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PAN AMERICAN LIFE INSURANCE COMPANY | 180 | $656K |
| Vision | VISION SERVICE PLAN | 3,290 | $358K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,234 | $1.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,234 | $1.2M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,234 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,234 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.