| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEVODAU INS. & BENEFIT STRATEGIES3 | PO BOX 269 ENOLA, PA 17025 | UNION SECURITY INSURANCE COMPANY | $45K | — | $45K | 17.83% |
| WEVODAU INS. & BENEFIT STRATEGIES3 | PO BOX 269 ENOLA, PA 17025 | UNION SECURITY INSURANCE COMPANY | $10K | — | $10K | 4.71% |
| WOODMANSEE & CO.3 Filed as: WOODMANSEE RONALD I | 525 RTE 73 N STE 102 MARLTON, NJ 08053 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $146 | $4K | 14.51% |
| FISHMAN HARRIS S3 | 2 BALA PLAZA STE 901 BALA CYNWYD, PA 19004 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $939 | — | $939 | 3.67% |
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 | 1,192 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNION SECURITY INSURANCE COMPANY | 328 | $252K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 1,179 | $469K |
| Long-term disability(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 1,179 | $495K |
| Other(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 1,179 | $471K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,179 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.