| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNIVEST INSURANCE INC3 | 521 W MAIN ST PO BOX 391 LANSDALE, PA 19446 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $15K | $1K | $16K | 10.65% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $8K | $8K | 4.96% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSUANCE, INC | 521 W MAIN ST PO BOX 391 LANSDALE, PA 19446 | LIFE INSURANCE COMPANY OF NOTH AMERICA | $5K | — | $5K | 5.54% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA BLDG 16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NOTH AMERICA | $3K | — | $3K | 3.87% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE, INC | 521 W MAIN ST PO BOX 391 LANSDALE, PA 19446 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 5.52% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA BLDG 16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.86% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSUARNCE, INC | 521 W MAIN ST PO BOX 391 LANSDALE, PA 19446 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 6.99% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA BLDG 16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 3.86% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE, INC | 6339 BEVERLY HILLS ROAD COOPERSBURG, PA 18036 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.97% |
| UNIVEST INSURANCE INC3 | 521 W MAIN ST LANDSDALE, PA 19440 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $489 | $2K | 17.83% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $550 | $163 | $713 | 5.94% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE, INC | 521 W MAIN ST LANSDALE, PA 19440 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $410 | $2K | 17.48% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 177 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $493 | $137 | $630 | 5.83% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $386 | $2K | 17.53% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $456 | $129 | $585 | 5.85% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE, INC | 521 W MAIN ST PO BOX 391 LANSDALE, PA 19446 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $789 | — | $789 | 10.61% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA BLDG 16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $287 | — | $287 | 3.86% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 363 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 141 | $152K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 358 | $24K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 249 | $39K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $61K |
| Long-term disability | LIFE INSURANCE COMPANY OF NOTH AMERICA | 164 | $86K |
| Other(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 249 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.