| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP INC. | 2218 RACE STREET PHILADELPHIA, PA 19103 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 4.26% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 Filed as: ADVANCED BENEFIT CONCEPTS LLC | 413 MARLTON PIKE EAST CHERRY HILL, NJ 08034 | UNION SECURITY INSURANCE COMPANY | — | $2K | $2K | 4.08% |
| ENROLLEASE3 Filed as: KATZ PIERZ INC | 413 MARLTON PIKE E STE 100 CHERRY HILL, NJ 08034 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 3.13% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP INC. | 2218 RACE STREET PHILADELPHIA, PA 19103 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 21.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3600 AMERICAN BLVD W STE 500 BLOOMINGTON, MN 55431 | SUN LIFE ASSURANCE COMPANY OF CANADA | -$5K | $986 | -$4K | -9.03% |
| ENROLLEASE3 Filed as: KATZ PIERZ INC | 413 MARLTON PIKE E STE 100 CHERRY HILL, NJ 08034 | UNION SECURITY INSURANCE COMPANY | $770 | — | $770 | 42.75% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 Filed as: ADVANCED BENEFIT CONCEPTS LLC | 413 MARLTON PIKE EAST CHERRY HILL, NJ 08034 | UNION SECURITY INSURANCE COMPANY | — | $720 | $720 | 39.98% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 316 | $51K |
| Life insurance(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 316 | $101K |
| Long-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 316 | $99K |
| Other(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 316 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.