| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SAFEGARD GROUP INC3 Filed as: SAFEGARD GROUP INC | 100 GRANITE DR STE 205 MEDIA, PA 190635134 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $0 | $36K | 7.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | PO BOX 9052 RADNOR, PA 190879052 | KAISER FOUNDATION HEALTH PLAN INC | $16K | $0 | $16K | 4.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | PO BOX 9052 RADNOR, PA 190879052 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $0 | $9K | 4.88% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 300 JERICHO QUADRANGLE SUITE 300 EAST JERICHO, NY 11753 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH PA | $2K | $0 | $2K | 30.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS INC EIN 22-3461740 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $20K |
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 | 1,406 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | INDEPENDENCE BLUE CROSS | 970 | $12.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,912 | $614K |
| Vision | VISION SERVICE PLAN | 559 | $60K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,606 | $501K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,606 | $507K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,912 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.