| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLAN HANDLERS INC3 | SUITE 160 790 E MARKET STREET WEST CHESTER, PA 193824806 | PRINCIPAL LIFE INSURANCE CO. | $2K | $924 | $3K | 11.30% |
| THE LOOMIS COMPANY5 Filed as: LOOMIS COMPANY | SUITE 160 790 E MARKET STREET WEST CHESTER, PA 19382 | UNIMERICA INSURANCE COMPANY | — | $44K | $44K | — |
| CIGNA0 | SUITE 160 790 E MARKET STREET WEST CHESTER, PA 19382 | UNIMERICA INSURANCE COMPANY | — | $20K | $20K | — |
| AMERICAN HEALTH HOLDINGS0 | SUITE 160 790 E MARKET STREET WEST CHESTER, PA 19382 | UNIMERICA INSURANCE COMPANY | — | $12K | $12K | — |
| ELAP SERVICES LLC0 Filed as: ELAP | SUITE 160 790 E MARKET STREET WEST CHESTER, PA 19382 | UNIMERICA INSURANCE COMPANY | — | $12K | $12K | — |
| ZELIS CLAIMS INTEGRITY INC0 Filed as: ZELIS CLAIMS INTEGRITY | 2 CROSSROADS DR. BEDMINSTER, NJ 07921 | UNIMERICA INSURANCE COMPANY | — | $8K | $8K | — |
| PLAN HANDLERS INC0 Filed as: PLAN HANDLERS | SUITE 160 790 E MARKET STREET WEST CHESTER, PA 19382 | UNIMERICA INSURANCE COMPANY | — | $7K | $7K | — |
| MEDWATCH LLC0 | PO BOX 952679 LAKE MARY, FL 32795 | UNIMERICA INSURANCE COMPANY | — | $3K | $3K | — |
| PEACHTREE PLANNING OF GEORGIA0 Filed as: GUARDIAN DENTAL | SUITE 160 790 E MARKET STREET WEST CHESTER, PA 19382 | UNIMERICA INSURANCE COMPANY | — | $1K | $1K | — |
| HINES & ASSOCIATES0 Filed as: HINES AND ASSOCIATES | SUITE 160 790 E MARKET STREET WEST CHESTER, PA 19382 | UNIMERICA INSURANCE COMPANY | — | $1K | $1K | — |
| PHCS0 Filed as: MULTIPLAN INC. | 115 FIFTH AVENUE NEW YORK, NY 10003 | UNIMERICA INSURANCE COMPANY | — | $490 | $490 | — |
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 | 134 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 0 | $0 |
| Dental | UNIMERICA INSURANCE COMPANY | 0 | $0 |
| Life insurance | PRINCIPAL LIFE INSURANCE CO. | 134 | $23K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.