| 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 | $6K | — | $6K | 1.25% |
| BRIAN FISHER3 | WEALTH ENHANCEMENT GROUP 30 LIBERTY BLVD, STE 200 MALVERN, PA 19355 | DELTA DENTAL OF NEW JERSEY, INC. | $500 | — | $500 | 0.19% |
| BRIAN FISHER3 | WEALTH ENHANCEMENT GROUP 30 LIBERTY BLVD, STE 200 MALVERN, PA 19355 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 5.11% |
| BRIAN FISHER3 Filed as: BRIAN J FISHER | 30 LIBERTY BLVD SUITE 200 MALVERN, PA 19355 | UNUM INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.64% |
| AON CONSULTING INC3 | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $179 | — | $179 | 1.18% |
| RICHARD BENEDICT NOCELLA3 | 1033 E HIGH ST POTTSTOWN, PA 19464 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $103 | — | $103 | 0.68% |
| ALFRED J HEALY3 Filed as: ALFRED J. HEALEY | 811 BETHLEHEM PIKE GLENSIDE, PA 19038 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $100 | — | $100 | 0.66% |
| BRIAN FISHER3 | WEALTH ENHANCEMENT GROUP 30 LIBERTY BLVD, STE 200 MALVERN, PA 19355 | FLAGSHIP HEALTH SYSTEMS | $435 | — | $435 | 3.02% |
| 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 | $325K |
| MARPAI HEALTH EIN 38-3919227 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | C/O CONTINENTAL BENEFITS 5701 E. HILLSBOROUGH AVE TAMPA, FL 33610 | $127K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Direct payment from the plan; Claims processing Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $69K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 NONE | Claims processing; Direct payment from the plan Service code 12 | 7400 W CAMPUS ROAD SUITE FS10 NEW ALBANY, OH 43054 | $6K |
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 | 803 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 810 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 824 | $281K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 373 | $27K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 732 | $205K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 803 | $478K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 732 | $168K |
| Other(4 contracts, 4 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 742 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 824 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.