| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFICIAL INSURANCE SERVICES LLC3 | 2 CAMPUS BOULEVARD, SUITE 200 NEWTOWN SQUARE, PA 19073 | HIGHMARK DELAWARE | $104K | $0 | $104K | 3.54% |
| BENEFICIAL INSURANCE SERVICES LLC3 | 1818 MARKET STREET, SUITE 21 PHILADELPHIA, PA 19103 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $810 | $18K | 3.86% |
| USI INSURANCE SERVICES LLC3 | 521 PLYMOUTH ROAD, SUITE 112 PLYMOUTH MEETING, PA 19462 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.73% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.26% |
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 | 242 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK DELAWARE | 444 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 693 | $476K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 693 | $476K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 693 | $476K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 693 | $476K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 693 | $476K |
| Prescription drug | HIGHMARK DELAWARE | 444 | $2.9M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 693 | $476K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 693 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.