| 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 | $3K | $0 | $3K | 4.99% |
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK | 1041 OLD CASSATT RD BERWYN, PA 19312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 17.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN RD STE 120 S MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 8.09% |
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK | 1041 OLD CASSATT RD BERWYN, PA 19312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRO LLC | 155 PINELAWN RD STE 120 S MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 7.69% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY, INC | 1041 OLD CASSATT RD BERWYN, PA 19312 | VISION SERVICE PLAN | $783 | $0 | $783 | 7.18% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $55 | $0 | $55 | 0.50% |
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK | 1041 OLD CASSATT RD BERWYN, PA 19312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $439 | $0 | $439 | 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 | $0 | $239 | $239 | 8.17% |
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 | 176 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 206 | $1.5M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 195 | $63K |
| Vision | VISION SERVICE PLAN | 109 | $11K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 177 | $42K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 176 | $39K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 206 | $1.5M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 177 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.