| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEVODAU INS. & BENEFIT STRATEGIES3 | 600 N FRONT ST WORMLEYSBURG, PA 17043 | UNION SECURITY INSURANCE COMPANY | $11K | — | $11K | 4.36% |
| WEVODAU INS. & BENEFIT STRATEGIES3 | 600 N FRONT ST WORMLEYSBURG, PA 17043 | UNION SECURITY INSURANCE COMPANY | $28K | — | $28K | 16.24% |
| WOODMANSEE & CO.3 Filed as: WOODMANSEE RONALD I | 525 ROUTE 73 N STE 305 MARLTON, NJ 080533422 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 20.98% |
| FISHMAN HARRIS S3 | 2 BALA PLZ STE 901 BALA CYNWYD, PA 190041501 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $548 | $2K | $2K | 8.04% |
| FISHMAN HARRIS S3 | 4905 TILGHMAN ST STE 200 ALLENTOWN, PA 181049130 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $200 | $200 | 0.72% |
| COLLINS MATTHEW3 | 43 KENDALL BLVD OAKLYN, NJ 081071511 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $53 | $36 | $89 | 0.32% |
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 | 1,046 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,046 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNION SECURITY INSURANCE COMPANY | 336 | $175K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 1,006 | $417K |
| Long-term disability(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 1,006 | $445K |
| Other(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 1,006 | $420K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,006 | — |
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.