| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3805 WEST CHESTER PIKE, SUITE 200 NEWTON SQUARE, PA 19073 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | $0 | $22K | 30.98% |
| BRIAN W PATTEN3 Filed as: BRIAN WILLIAM PATTEN | 121 BUCKTHORN ROAD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 10.66% |
| WILLIAM MUMPER3 Filed as: WILLIAM MUMPER AND OTHER AGENTS | 28 BLEVENS DRIVE MANCHESTER, NH 03104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 6.82% |
| ELIZABETH GONZALEZ3 | 10141 PREMIER AVENUE WESTMINSTER, CA 92683 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 6.66% |
| DANIEL C HARRIS3 Filed as: DANIEL C. HARRIS | 413 OAK RIDGE COURT MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 4.66% |
| MATTHEW RYAN KIRKWOOD3 | 337 FIELDSRUN ROAD NEW CASTLE, PA 16105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.45% |
| LIZ CORIO3 | 77 CREST ROAD COLD SPRING, NY 10516 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.13% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVENUE MERIDEN, CT 06450 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.63% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | THE EMPIRE STATE BUILDING NEW YORK, NY 10118 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.18% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE, CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | AETNA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.92% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040, 530 PRESTON AVENUE MERIDEN, CT 06450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.02% |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 134 | $55K |
| Vision | AETNA LIFE INSURANCE COMPANY | 134 | $55K |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 600 | $92K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 196 | $21K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 600 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 600 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.