| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBDI, INC.3 | 9 EVES DRIVE STE 150 MARLTON, NJ 08053 | INDEPENDENCE BLUE CROSS | $53K | $4K | $57K | 5.85% |
| BROKERAGE CONCEPTS INC3 Filed as: BROKERAGE CONCEPTS INC. | 801 LAKEVIEW DRIVE STE 301 BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $5K | $3K | $8K | 0.80% |
| CBDI, INC.3 Filed as: CBDI INC. | 9 EVES DRIVE STE 150 MARLTON, NJ 08053 | KEYSTONE HEALTH PLAN EAST | $37K | $4K | $41K | 5.99% |
| BROKERAGE CONCEPTS INC3 Filed as: BROKERAGE CONCEPTS INC. | 801 LAKEVIEW DRIVE STE 301 BLUE BELL, PA 19422 | KEYSTONE HEALTH PLAN EAST | $8K | $2K | $10K | 1.41% |
| CBDI, INC.3 Filed as: CBDI INC. | 9 EVES DRIVE STE 150 MARLTON, NJ 08053 | AMERIHEALTH HMO | $2K | — | $2K | 6.32% |
| BROKERAGE CONCEPTS INC3 Filed as: BROKERAGE CONCEPTS INC. | 801 LAKEVIEW DRIVE STE 301 BLUE BELL, PA 19422 | AMERIHEALTH HMO | $207 | $38 | $245 | 0.66% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 188 | $1.7M |
| Vision | INDEPENDENCE BLUE CROSS | 188 | $978K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 188 | $978K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.