| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN FISHER3 | WEALTH ENHANCEMENT GROUP 30 LIBERTY BLVD, STE 200 MALVERN, PA 19355 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 0.99% |
| BRIAN FISHER3 | WEALTH ENHANCEMENT GROUP 30 LIBERTY BLVD, STE 200 MALVERN, PA 19355 | DELTA DENTAL OF NEW JERSEY, INC. | $557 | — | $557 | 0.18% |
| BRIAN FISHER3 | WEALTH ENHANCEMENT GROUP 30 LIBERTY BLVD, STE 200 MALVERN, PA 19355 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 3.95% |
| BRIAN FISHER3 Filed as: BRIAN J FISHER | 30 LIBERTY BLVD SUITE 200 MALVERN, PA 19355 | UNUM INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 17.35% |
| AON CONSULTING INC3 | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $175 | — | $175 | 1.11% |
| ALFRED J HEALY3 Filed as: ALFRED J. HEALEY | 811 BETHLEHEM PIKE GLENSIDE, PA 19038 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $110 | — | $110 | 0.70% |
| RICHARD BENEDICT NOCELLA3 | 1033 E HIGH ST POTTSTOWN, PA 19464 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 0.67% |
| BRIAN FISHER3 | WEALTH ENHANCEMENT GROUP 30 LIBERTY BLVD. SUITE 200 MALVERN, PA 19355 | FLAGSHIP HEALTH SYSTEMS | $298 | — | $298 | 3.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CRUMDALE PARTNERS EIN 47-2447891 NONE | Direct payment from the plan; Claims processing Service code 12 | 555 E LANCASTER AVENUE SUITE 640 RADNOR, PA 19087 | $431K |
| CONTINENTAL BENEFITS EIN 38-3919227 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | 4701 E HILLSBOROUGH AVE TAMPA, FL 33610 | $155K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Claims processing; Direct payment from the plan Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $81K |
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 | 960 | 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) | 962 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 889 | $311K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 827 | $35K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 835 | $339K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 960 | $794K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 835 | $295K |
| Other(4 contracts, 4 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 855 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 960 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.