| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK | AN ALERA GROUP AGENCY 1041 OLD CASSATT RD BERWYN, PA 19312 | DELTA DENTAL OF PENNSYLVANIA | $2K | — | $2K | 3.30% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY INC | 1041 OLD CASSATT RD BERWYN, PA 19312 | DELTA DENTAL OF PENNSYLVANIA | $1K | — | $1K | 1.69% |
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK | 1041 OLD CASSATT RD BERWYN, PA 19312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 17.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK | 1041 OLD CASSATT RD BERWYN, PA 19312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY, INC | 1041 OLD CASSATT RD BERWYN, PA 19312 | VISION SERVICE PLAN | $797 | — | $797 | 7.03% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $57 | — | $57 | 0.50% |
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK | 1041 OLD CASSATT RD BERWYN, PA 19312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $398 | — | $398 | 15.01% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $133 | $133 | 5.02% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 199 | $1.5M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 198 | $64K |
| Vision | VISION SERVICE PLAN | 98 | $11K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 170 | $32K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 170 | $34K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 199 | $1.5M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 170 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.