| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEVODAU INS. & BENEFIT STRATEGIES3 | PO BOX 269 ENOLA, PA 17025 | UNION SECURITY INSURANCE COMPANY | $11K | — | $11K | 4.67% |
| WEVODAU INS. & BENEFIT STRATEGIES3 | PO BOX 269 ENOLA, PA 17025 | UNION SECURITY INSURANCE COMPANY | $24K | — | $24K | 12.41% |
| WOODMANSEE & CO.3 Filed as: WOODMANSEE RONALD I | 525 ROUTE 73 N STE 305 MARLTON, NJ 080533422 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $815 | $5K | 20.86% |
| FISHMAN HARRIS S3 | 2 BALA PLZ STE 901 BALA CYNWYD, PA 190041501 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $559 | $1K | $2K | 8.00% |
| COLLINS MATTHEW3 | 43 KENDALL BLVD OAKLYN, NJ 081071511 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $31 | $20 | $51 | 0.20% |
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 | 1,088 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,088 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNION SECURITY INSURANCE COMPANY | 310 | $190K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 1,049 | $424K |
| Long-term disability(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 1,049 | $450K |
| Other(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 1,049 | $427K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,049 | — |
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.