| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY INC | PO BOX 1787 PAOLI, PA 19301 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $77K | — | $77K | 3.86% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 669 RIVER DRIVE CENTER II STE 305 ATTN EDNA RODDA ELMWOOD PARK, NJ 074071361 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 5.85% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY INC | PO BOX 1787 PAOLI, PA 193010826 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 4.10% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY, INC. | PO BOX 1787 PAOLI, PA 19301 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 12.17% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $411 | — | $411 | 3.25% |
| RADNOR BENEFITS GROUP INC3 | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | AETNA INTERNATIONAL | $150 | — | $150 | 15.00% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | 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) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 286 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 442 | $143K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 232 | $13K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 286 | $2.0M |
| Other | AETNA INTERNATIONAL | 8 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.