| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W GERMANTOWN AVE, SUITE 215 PLYMOUTH MEETING, PA 19462 | KEYSTONE HEALTH PLAN EAST | $89K | — | $89K | 5.33% |
| DOYLE ALLIANCE GROUP, INC.3 Filed as: DOYLE ALLIANCE GROUP, INC | 123 SOUTH BROAD STREET, SUITE 830 PHILADELPHIA, PA 19109 | KEYSTONE HEALTH PLAN EAST | $25K | — | $25K | 1.52% |
| THE STERLING GROUP INC3 Filed as: STERLING BENEFITS LLC | 252 NORTH RADNOR CHESTER ROAD SECOND FLOOR ST DAVIDS, PA 19087 | UNION SECURITY INSURANCE COMPANY | $6K | $65 | $6K | 5.56% |
| THOMAS J QUIRK3 | 252 N RADNOR CHESTER RD, 2ND FLOOR ST DAVIDS, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.19% |
| THORSEN GROUP INC3 | 129 ARBOR RIDGE DRIVE WARRINGTON, PA 18976 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 5.87% |
| ELITE BROKERAGE SERVICES, INC.3 Filed as: ELITE BROKERAGE SERVICES | 5 GREAT VALLEY PARKWAY MALVERN, PA 19355 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $783 | — | $783 | 2.70% |
| JOHN E LANZETTA3 | 1149 PRESIDENTIAL DRIVE QUAKERTOWN, PA 18951 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $252 | $48 | $300 | 1.03% |
| CATHY GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $296 | — | $296 | 1.02% |
| NATALIE S LANDRO3 | 765 PERIWINKLE LANE WYNNEWOOD, PA 19096 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.29% |
| WILLIAM E GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.18% |
| BRENT L GOODE3 Filed as: BRENT MCVICKER | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.15% |
| THOMAS J QUIRK3 | 252 N RADNOR CHESTER RD, 2ND FLOOR ST DAVIDS, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 16.16% |
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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE HEALTH PLAN EAST | 200 | $1.7M |
| Dental | UNION SECURITY INSURANCE COMPANY | 198 | $101K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 252 | $95K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 17 | $29K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 252 | $73K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 252 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.