| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $32K | $34K | 1.95% |
| THE ELITE GROUP LLC3 Filed as: THE ELITE GROUP | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $31K | $33K | 1.90% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $359 | $359 | 1.06% |
| THE ELITE GROUP LLC3 | 5 GREAT VALLEY PKWY STE 355 MALVERN, PA 19355 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 13.14% |
| JOSEPH JOHN KOZAK3 | 125 MAGNOLIA DR PHOENIXVILLE, PA 19460 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $313 | $368 | $681 | 6.15% |
| EDWARD FRANCIS KLINGES3 | 10 BLACKBURN LN HAVERFORD, PA 19041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | $83 | $196 | 1.77% |
| ALDEN D MCGEE3 | 3657 RICHMOND ST JACKSONVILLE, FL 32205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | $24 | $175 | 1.58% |
| LYNN MARIE BARRY3 | 301 W PARK AVE LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | $46 | $168 | 1.52% |
| TOMPKINS INSURANCE AGENCIES INC AND3 | VARIOUS OTHER AGENTS 6201 SENTINEL RIDGE EAGLEVILLE, PA 19403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | — | $164 | 1.48% |
| THE WILSHIRE GROUP LLC3 Filed as: THE WILSHIRE GROUP LLC AND OTHER | VARIOUS AGENTS 2035 STATE ROUTE 27, STE 1080 EDISON, NJ 08817 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | — | $8 | 11.76% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 142 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 142 | $1.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 142 | $1.7M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 125 | $34K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 125 | $34K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 125 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.