| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAFEGUARD GROUP INC | 100 GRANITE DRIVE SUITE 205 MEDIA, PA 19063 | METROPLITAN LIFE INSURANCE COMPANY | $56K | $10K | $66K | 10.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | 100 MATSONFORD ROAD SUITE 200 RADNOR, PA 19087 | CAREFIRST BLUECHOICE, INC | — | $2K | $2K | 0.46% |
| AON CONSULTING INC | 165 BORADWAY SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INS.C CO. OF PITTSBURGH, PA | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS PHARMACY, INC EIN 05-0340626 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $6.5M |
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 | 1,575 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | INDEPENDENCE BLUE CROSS | 1,593 | $17.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 2,270 | $871K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 929 | $2.8M |
| Life insurance | METROPLITAN LIFE INSURANCE COMPANY | 1,782 | $635K |
| Prescription drug | CAREFIRST BLUECHOICE, INC | 42 | $357K |
| Other(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 1,782 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,270 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.