| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE LOOMIS COMPANY5 Filed as: LOOMIS COMPANY | SUITE 160 790 E MARKET STREET WEST CHESTER, PA 19382 | UNIMERICA INSURANCE COMPANY | — | $30K | $30K | 12.11% |
| CIGNA0 | SUITE 160 790 E MARKET STREET WEST CHESTER, PA 19382 | UNIMERICA INSURANCE COMPANY | — | $19K | $19K | 7.55% |
| CIGNA3 Filed as: CONNECTICUT GENERAL | SUITE 160 790 E MARKET STREET WEST CHESTER, PA 19382 | UNIMERICA INSURANCE COMPANY | — | $9K | $9K | 3.49% |
| AMERICAN HEALTH HOLDINGS0 | SUITE 160 790 E MARKET STREET WEST CHESTER, PA 19382 | UNIMERICA INSURANCE COMPANY | — | $7K | $7K | 2.67% |
| PLAN HANDLERS INC5 | SUITE 160 790 E MARKET STREET WEST CHESTER, PA 19382 | UNIMERICA INSURANCE COMPANY | — | $6K | $6K | 2.48% |
| AIM HEALTHCARE SERVICES0 Filed as: AIM HEALTHCARE | SUITE 160 790 E MARKET STREET WEST CHESTER, PA 19382 | UNIMERICA INSURANCE COMPANY | — | $4K | $4K | 1.80% |
| HINES & ASSOCIATES0 Filed as: HINES AND ASSOCIATES | SUITE 160 790 E MARKET STREET WEST CHESTER, PA 19382 | UNIMERICA INSURANCE COMPANY | — | $2K | $2K | 0.78% |
| PEACHTREE PLANNING OF GEORGIA0 Filed as: GUARDIAN DENTAL | SUITE 160 790 E MARKET STREET WEST CHESTER, PA 19382 | UNIMERICA INSURANCE COMPANY | — | $1K | $1K | 0.52% |
| PLAN HANDLERS INC3 | SUITE 160 790 E MARKET STREET WEST CHESTER, PA 193824806 | PRINCIPAL LIFE INSURANCE CO. | $2K | $874 | $2K | 11.37% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 107 | $246K |
| Dental | UNIMERICA INSURANCE COMPANY | 107 | $246K |
| Life insurance | PRINCIPAL LIFE INSURANCE CO. | 131 | $22K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 107 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.