| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: KATZ PIERCE INC | 413 MARLTON PIKE E STE 100 CHERRY HILL, NJ 08034 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 0.80% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 Filed as: ADVANCED BENEFIT CONCEPTS LLC | 413 MARLTON PIKE EAST CHERRY HILL, NJ 08034 | UNION SECURITY INSURANCE COMPANY | $0 | $2K | $2K | 0.30% |
| FLEXIBLE BENEFIT PLANS, INC.3 | VALLEY FORGE COMMONS VALLEY FORGE, PA 19482 | AMERIHEALTH HMO, INC. | — | — | $0 | 0.00% |
| FLEXIBLE BENEFIT PLANS, INC.3 | VALLEY FORGE COMMONS VALLEY FORGE, PA 19482 | AMERIHEALTH INS. CO. | — | — | $0 | 0.00% |
| FLEXIBLE BENEFIT PLANS, INC.3 | VALLEY FORGE COMMONS VALLEY FORGE, PA 19482 | AMERIHEALTH INS. CO. | — | — | $0 | 0.00% |
| ENROLLEASE3 Filed as: KATZ PIERCE INC | 413 MARLTON PIKE E STE 100 CHERRY HILL, NJ 08034 | UNION SECURITY DENTALCARE OF NEW JERSEY, INC | $234 | — | $234 | 7.15% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 Filed as: ADVANCED BENEFIT CONCEPTS LLC | 413 MARLTON PIKE EAST CHERRY HILL, NJ 08034 | UNION SECURITY DENTALCARE OF NEW JERSEY, INC | $0 | $67 | $67 | 2.05% |
| FLEXIBLE BENEFIT PLANS, INC.3 | VALLEY FORGE COMMONS VALLEY FORGE, PA 19482 | AMERIHEALTH INS. CO. | — | — | $0 | 0.00% |
| FIRST NATIONAL BROKERAGE | 5311 PATTERSON AVE RICHMOND, VA 232262041 | OPTIMA HEALTH PLAN | — | — | $0 | — |
| ENROLLEASE3 Filed as: KATZ PIERCE INC | 413 MARLTON PIKE E STE 100 CHERRY HILL, NJ 08034 | UNION SECURITY INSURANCE COMPANY | — | — | $0 | — |
| ENROLLEASE3 Filed as: KATZ PIERCE INC | 413 MARLTON PIKE E STE 100 CHERRY HILL, NJ 08034 | UNION SECURITY INSURANCE COMPANY | — | — | $0 | — |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AMERIHEALTH HMO, INC. | 61 | $627K |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 267 | $813K |
| Vision(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 267 | $812K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 267 | $810K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 267 | $810K |
| Long-term disability(2 contracts) | UNION SECURITY INSURANCE COMPANY | 267 | $810K |
| Prescription drug | AMERIHEALTH INS. CO. | 54 | $78K |
| Other(4 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 267 | $813K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.