| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROKERAGE CONCEPTS INC3 | P.O. BOX 742 BLUE BELL, PA 19422 | AETNA HEALTH, INC. | $115K | — | $115K | 6.39% |
| JOSEPH AUTERI3 Filed as: JOSEPH A AUTERI | NEW YORK LIFE 555 E CITY LINE AVE BALA CYNWYD, PA 19004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.50% |
| AMATO BERARDI3 Filed as: AMATO L BERARDI | 191 PRESIDENTIAL BLVD STE 118 BALA CYNWYD, PA 19004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.50% |
| NYLIFE SECURITIES LLC3 | 51 MADISON AVE. ROOM 606 ATTN MARK BADLU NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.75% |
| BROKERAGE CONCEPTS INC3 | 801 LAKEVIEW DR STE 301 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.02% |
| JOSEPH AUTERI3 Filed as: JOSEPH A AUTERI | NEW YORK LIFE 555 E CITY LINE AVE BALA CYNWYD, PA 19004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $861 | — | $861 | 7.50% |
| AMATO BERARDI3 Filed as: AMATO L BERARDI | 191 PRESIDENTIAL BLVD STE W 1-A BALA CYNWYD, PA 19004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $861 | — | $861 | 7.50% |
| NYLIFE SECURITIES LLC3 | 51 MADISON AVENUE ROOM 606 ATTN MARK BADLU NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $87 | $87 | 0.76% |
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 | 242 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 242 | $74K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 209 | $164K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 209 | $164K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 209 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.