| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS | 24 E 2ND ST 1ST FLOOR MEDIA, PA 19063 | GUARDIAN LIFE INSURANCE COMPANY | $22K | $1K | $23K | 11.72% |
| BGRAND BENEFITS, LLC3 | 10 CAMPUS BLVD NEWTON SQUARE, PA 19073 | GUARDIAN LIFE INSURANCE COMPANY | $701 | $0 | $701 | 0.35% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ST. SUITE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $4K | $9K | 9.32% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.14% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $91 | $0 | $91 | 43.54% |
| ARTHUR B GOLDBERG3 | 1741 ACADEMY LANE HAVERTOWN, PA 19083 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | $0 | $47 | 22.49% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 Filed as: MAIN LINE BENEFIT SOLUTIONS, LLC | 1405 LARKSPUR LANE MALVERN, PA 19355 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 5.74% |
| BONNIE H DROBNES3 Filed as: BONNIE HECT DROBNES | 118 BEAUMONT PLACE LOWER GWYNEDD, PA 19002 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 3.35% |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 271 | $93K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 271 | $93K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 324 | $199K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 324 | $199K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 324 | $199K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 324 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.
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.