| 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 19063 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $34 | $45K | 8.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC | PO BOX 9052 RADNOR, PA 19087 | KAISER FOUNDATION HEALTH PLAN INC | $28 | $0 | $28 | 0.01% |
| VIRGIL S GARDNER3 | 7717 HARVEST HILLS COURT MT. AIRY, MD 21771 | CAREFIRST BLUECHOICE, INC | $0 | $18K | $18K | 5.13% |
| CBIZ BENEFITS & INSURANCE SERVICES5 Filed as: CBIZ M T DONAHOE & ASSOCIATES | 9755 PATUXENT WOODS DRIVE SUITE 250 COLUMBIA, MD 21046 | CAREFIRST BLUECHOICE, INC | $0 | $2K | $2K | 0.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | 100 MATSONFORD RD SUITE 200 RADNOR, PA 19087 | CAREFIRST BLUECHOICE, INC | $0 | $0 | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC | PO BOX 9052 RADNOR, PA 19087 | KAISER FOUNDATION HEALTH PLAN INC | $57 | $0 | $57 | 0.02% |
| AON CONSULTING INC Filed as: AON CONSULTING INC. | 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $2K | — | $2K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS PHARMACY, INC EIN 05-0340626 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $34K |
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 | 1,424 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | INDEPENDENCE BLUE CROSS | 1,315 | $12.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 2,078 | $765K |
| Vision(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 761 | $3.2M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,643 | $571K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 79 | $959K |
| Other(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 1,643 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,078 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.