| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAFEGUARD GROUP INC3 Filed as: SAFEGUARD GROUP INCE | 100 GRANITE DRIVE SUITE 205 MEDIA, PA 19063 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $11K | $51K | 7.91% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $18 | $27K | 4.18% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | 100 GRANITE DRIVE SUITE 205 MEDIA, PA 19063 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 1.22% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 0.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | 100 MATSONFORD ROAD SUITE 200 RADNOR, PA 19087 | CAREFIRST BLUECHOICE, INC | — | $2K | $2K | 0.41% |
| AON CONSULTING INC | 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS PHARMACY, INC EIN 05-0346626 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $7.8M |
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 | 1,576 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,593 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | INDEPENDENCE BLUE CROSS | 1,650 | $17.7M |
| Dental | DELTA DENTAL | 2,216 | $976K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 941 | $2.5M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,818 | $1.2M |
| Prescription drug | CAREFIRST BLUECHOICE, INC | 39 | $400K |
| Other(4 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 1,818 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,216 | — |
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.