| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAFEGUARD GROUP INC3 | 100 GRANITE DR STE 205 MEDIA, PA 19063 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $0 | $40K | 7.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | PO BOX 9052 RADNOR, PA 190879052 | KAISER FOUNDATION HEALTH PLAN INC | $17K | $0 | $17K | 5.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | PO BOX 9052 RADNOR, PA 190879052 | KAISER FOUNDATION HEALTH PLAN INC | $14K | $0 | $14K | 4.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 199 WATER STREET NEW YORK, NY 10038 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $4K | $0 | $4K | 30.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS PHARMACY, INC EIN 05-0340626 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $14K |
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 | 1,460 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | INDEPENDENCE BLUE CROSS | 1,133 | $12.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 2,011 | $668K |
| Vision | VISION SERVICE PLAN | 675 | $89K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,670 | $548K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,670 | $561K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,011 | — |
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.