| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLEXIBLE BENEFIT PLANS, INC.3 | VALLEY FORGE COMMONS VALLEY FORGE, PA 19482 | INDEPENDENCE BLUE CROSS | $44K | $11K | $56K | 8.88% |
| FLEXIBLE BENEFIT PLANS, INC.3 | VALLEY FORGE COMMONS VALLEY FORGE, PA 19482 | INDEPENDENCE BLUE CROSS | $0 | $2K | $2K | 1.12% |
| SOMERSET BENEFITS LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.44% |
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.10% |
| TRIBEN INSURANCE SOLUTIONS INC3 | 24 EAST 2ND STREET 1ST FLOOR MEDIA, PA 19063 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $733 | $8K | 22.02% |
| TRIBEN INSURANCE SOLUTIONS INC3 | 24 EAST 2ND STREET 1ST FLOOR MEDIA, PA 19063 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $250 | $3K | 22.10% |
| TRIBEN INSURANCE SOLUTIONS INC3 | 24 EAST 2ND STREET 1ST FLOOR MEDIA, PA 19063 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $139 | $1K | 22.20% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 170 | $625K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 224 | $65K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 224 | $65K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 128 | $6K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 132 | $36K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 132 | $12K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 159 | $203K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 128 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.