| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC5 Filed as: ALLIED BENEFIT SYSTEMS LLC | 200 W ADAMS STE 500 CHICAGO, IL 60606 | HCC LIFE INSURANCE COMPANY | — | $5K | $5K | 0.59% |
| VXTRA PARTNERS3 Filed as: VXTRA PARTNERS LLC | 2700 CUMBERLAND PKWY STE 140 ATLANTA, GA 30339 | ALLIED BENEFIT SYSTEMS, LLC | — | $99K | $99K | 56.11% |
| ALLIED BENEFIT SYSTEMS, LLC3 Filed as: ALLIED BENEFIT SYSTEMS LLC | — | ALLIED BENEFIT SYSTEMS, LLC | — | $43K | $43K | 24.36% |
| MERITAIN HEALTH3 Filed as: AETNA LIFE INSURANCE COMPANY | — | ALLIED BENEFIT SYSTEMS, LLC | — | $34K | $34K | 19.54% |
| VXTRA PARTNERS3 Filed as: VXTRA PARTNERS LLC | 2700 CUMBERLAND PKWY STE 140 ATLANTA, GA 30339 | GUARDIAN | $13K | — | $13K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1060 BROADWAY STE 400 ALBANY, NY 12204 | SHELTERPOINT LIFE INSURANCE COMPANY | $11K | — | $11K | 10.01% |
| LEON MARTIN3 Filed as: LEON L LEVY & ASSOCIATES | 1818 MARKET ST STE 3232 PHILADELPHIA, PA 19103 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.97% |
| LEON MARTIN3 Filed as: LEON L LEVY & ASSOCIATES | 1818 MARKET ST STE 3232 PHIDELPHIA, PA 19103 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $428 | — | $428 | 3.10% |
| LEON MARTIN3 Filed as: LEON L LEVY & ASSOCIATES | 1818 MARKET ST STE 3232 PHILADELPHIA, PA 19103 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 4.75% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $432 | — | $432 | 57.60% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK STE 200 899 CASSATT ROAD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49 | — | $49 | 6.53% |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIED BENEFIT SYSTEMS, LLC | 145 | $176K |
| Dental | GUARDIAN | 163 | $132K |
| Vision | GUARDIAN | 163 | $132K |
| Life insurance(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 32 | $35K |
| Short-term disability(4 contracts, 2 carriers) | SHELTERPOINT LIFE INSURANCE COMPANY | 215 | $143K |
| Long-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 32 | $15K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 150 | $862K |
| Other(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 32 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.