| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE LOOMIS COMPANY0 Filed as: THE LOOMIS CO. | 850 N. PARK ROAD PO BOX 7011 WYOMISSING, PA 196106011 | UNIMERICA INSURANCE COMPANY | — | $35K | $35K | 10.71% |
| CIGNA0 | 850 N. PARK ROAD PO BOX 7011 WYOMISSING, PA 196106011 | UNIMERICA INSURANCE COMPANY | — | $22K | $22K | 6.57% |
| ALLIANT INSURANCE SERVICES, INC.0 Filed as: ALLIANT INSURANCE SERVICES | 850 N. PARK ROAD PO BOX 7011 WYOMISSING, PA 196106011 | UNIMERICA INSURANCE COMPANY | — | $7K | $7K | 2.01% |
| AMERICAN HEALTH HOLDINGS0 | 850 N. PARK ROAD PO BOX 7011 WYOMISSING, PA 196106011 | UNIMERICA INSURANCE COMPANY | — | $6K | $6K | 1.74% |
| ZELIS CLAIMS INTEGRITY INC0 Filed as: ZELIS CLAIMS INTEGRITY INC. | 850 N. PARK ROAD PO BOX 7011 WYOMISSING, PA 196106011 | UNIMERICA INSURANCE COMPANY | — | $3K | $3K | 0.79% |
| PEACHTREE PLANNING OF GEORGIA0 Filed as: GUARDIAN DENTAL | 850 N. PARK ROAD PO BOX 7011 WYOMISSING, PA 196106011 | UNIMERICA INSURANCE COMPANY | — | $1K | $1K | 0.43% |
| ELAP SERVICES LLC0 | 850 N. PARK ROAD PO BOX 7011 WYOMISSING, PA 196106011 | UNIMERICA INSURANCE COMPANY | — | $1K | $1K | 0.42% |
| PLAN HANDLERS INC3 | SUITE 160 790 E MARKET STREET WEST CHESTER, PA 193824806 | PRINCIPAL LIFE INSURANCE CO. | $1K | — | $1K | 4.20% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLAINT INSURANCE SERVICES | 320 W 57 TH ST. NEW YORK, NY 10019 | PRINCIPAL LIFE INSURANCE CO. | $727 | — | $727 | 2.77% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALIANT INS. SERVICES | 222 BLOOMINGDALE RD. SUITE 401 WHITE PLANIS, NY 10605 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.40% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSIS. USA | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $45 | $45 | 0.22% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE CO. | 138 | $47K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 114 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.