| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN FISHER3 | HOOVER FINANCIAL ADVISORS 30 LIBERTY BLVD, STE 200 MALVERN, PA 19355 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.71% |
| BRIAN FISHER3 | HOOEVER FINANCIAL ADVISORS 30 LIBERTY BLVD, STE 200 MALVERN, PA 19355 | DELTA DENTAL OF NJ, INC. | $544 | — | $544 | 0.20% |
| BRIAN FISHER3 | HOOEVER FINANCIAL ADVISORS 30 LIBERTY BLVD, STE 200 MALVERN, PA 19355 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.87% |
| BRIAN FISHER3 | HOOVER FINANCIAL ADVISORS 30 LIBERTY BLVD, STE 200 MALVERN, PA 19355 | FLAGSHIP HEALTH SYSTEMS | $692 | — | $692 | 3.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CRUMDALE PARTNERS EIN 47-2447891 NONE | Claims processing; Direct payment from the plan Service code 12 | 555 E LANCASTER AVENUE SUITE 640 RADNOR, PA 19087 | $428K |
| CONTINENTAL BENEFITS EIN 38-3919227 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | 5701 E HILLSBOROUGH AVENUE SUITE 1417 TAMPA, FL 33610 | $147K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Claims processing; Direct payment from the plan Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $72K |
| DOYLE ALLIANCE EIN 26-3554645 NONE | Direct payment from the plan; Claims processing Service code 12 | 90 WOODBRIDGE CENTER DRIVE SUITE 720 WOODBRIDGE, NJ 07095 | $38K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 CONTRACT ADMINISTRATION | Claims processing; Direct payment from the plan Service code 12 | 7400 W CAMPUS ROAD SUITE FS10 NEW ALBANY, OH 43054 | $12K |
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 | 770 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 782 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NJ, INC. | 791 | $292K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 331 | $29K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 674 | $179K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 770 | $287K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 674 | $179K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 674 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 791 | — |
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."
No prospect flags tripped on this filing.