| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE COALITION3 Filed as: INSURANCE COALITION INC | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $839 | $0 | $839 | 8.74% |
| UNIVEST INSURANCE INC3 | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $743 | $0 | $743 | 7.74% |
| UNIVEST INSURANCE INC3 | 521 W MAIN ST LANSDALE, PA 194462009 | PRINCIPAL LIFE INSURANCE COMPANY | $490 | $0 | $490 | 9.88% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W BLUE BELL, PA 194222239 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $244 | $244 | 4.92% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | VISION SERVICE PLAN | $153 | $0 | $153 | 6.08% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE | 521 W MAIN ST LANSDALE, PA 194462009 | VISION SERVICE PLAN | $148 | $0 | $148 | 5.88% |
| INSURANCE COALITION3 Filed as: INSURANCE COALITION INC | 417 WALNUT ST HARRISBURG, PA 17101 | VISION SERVICE PLAN | $107 | $0 | $107 | 4.25% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR CENTER II STE 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $209 | $70 | $279 | 20.01% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR CENTER II STE 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41 | $14 | $55 | 20.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $27K |
| PCI (PA CHAMBER INSURANCE) EIN 25-1784573 BROKER | Insurance agents and brokers Service code 22 | — | $11K |
| INNOVU BROKER | Insurance agents and brokers Service code 22 | 2403 SIDNEY ST SUITE 225 PITTSBURGH, PA 15203 | -$32 |
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 | 36 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 37 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 54 | $5K |
| Vision | VISION SERVICE PLAN | 25 | $3K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 36 | $10K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 36 | $11K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | CRUM & FORSTER | 35 | $114K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 36 | $274 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 54 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.