| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN BROWN OF PA INC | BROWN BROWN OF PA INC CONSHOHOCKEN, PA 19428 | EQUITABLE HOLDINGS, INC. | $2K | $0 | $2K | 17.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN (PA) | 1742 6TH AVENUE YORK, PA 17403 | VISION SERVICE PLAN | $31 | $0 | $31 | 10.47% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | VISION SERVICE PLAN | $17 | $0 | $17 | 5.74% |
| MICHAEL D AUMENT JR3 | 115 WINDING HILL DR ETTERS, PA 173198823 | VISION SERVICE PLAN | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN OF PENNSYLVANIA, LP BROKER | Insurance agents and brokers Service code 22 | 125 E ELM ST. SUITE 210 CONSHOHOCKEN, PA 19428 | $2K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $1K |
| CAPITAL BLUE CROSS EIN 23-0455154 CARRIER | Claims processing Service code 12 | — | $660 |
| CONNECTCARE3, LLC EIN 26-1768616 OTHER | Other services Service code 49 | — | $312 |
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 | 30 | 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) | 31 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 22 | $0 |
| Vision | VISION SERVICE PLAN | 17 | $296 |
| Life insurance | EQUITABLE HOLDINGS, INC. | 30 | $10K |
| Short-term disability | EQUITABLE HOLDINGS, INC. | 30 | $10K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 28 | $11K |
| Other | EQUITABLE HOLDINGS, INC. | 30 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 30 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.