| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 100 GRANITE DRIVE, SUITE 205 MEDIA, PA 19063 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $73K | $73K | 2.25% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES LLC | 501 OFFICE CENTER DRIVE, SUITE 215 FT WASHINGTON, PA 19034 | STANDARD INSURANCE COMPANY | $16K | — | $16K | 5.36% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 3.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 100 GRANITE DR SUITE 205 MEDIA, PA 19063 | KAISER FOUNDATION HEALTH PLAN INC | $12K | — | $12K | 7.51% |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 132 | $3.4M |
| Dental | STANDARD INSURANCE COMPANY | 143 | $291K |
| Vision | STANDARD INSURANCE COMPANY | 143 | $291K |
| Life insurance | STANDARD INSURANCE COMPANY | 143 | $291K |
| Long-term disability | STANDARD INSURANCE COMPANY | 143 | $291K |
| Other | STANDARD INSURANCE COMPANY | 143 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.