| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | USABLE LIFE | $3K | — | $3K | 15.00% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST STE M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 10.91% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | USABLE LIFE | $520 | — | $520 | 3.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $230 | — | $230 | 1.36% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | USABLE LIFE | $2K | — | $2K | 11.55% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST STE M2H NEWARK, NJ 07105 | USABLE LIFE | — | $1K | $1K | 9.15% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | USABLE LIFE | $504 | — | $504 | 3.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $138 | — | $138 | 0.86% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | USABLE LIFE | $2K | — | $2K | 15.00% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST STE M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 10.83% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | USABLE LIFE | $445 | — | $445 | 3.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $178 | — | $178 | 1.24% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | USABLE LIFE | 154 | $33K |
| Long-term disability | USABLE LIFE | 68 | $14K |
| Other | USABLE LIFE | 154 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.