| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 325 CHESTNUT STREET, SUITE 1000 PHILADELPHIA, PA 19106 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $33K | $54K | 8.86% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 325 CHESTNUT STREET, SUITE 1000 PHILADELPHIA, PA 19106 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 1.75% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 325 CHESTNUT STREET, SUITE 1000 PHILADELPHIA, PA 19106 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $20K | $0 | $20K | 11.26% |
| UNKNOWN3 | UNKNOWN VOORHEES, NJ 08043 | TELEMEDICINE MANAGEMENT, INC. DBA SWIFTMED | $6K | $0 | $6K | 11.21% |
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 | 726 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 741 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,039 | $401K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 2,539 | $174K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 726 | $614K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 726 | $614K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 726 | $614K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 726 | $672K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,539 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.