| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 1265 DRUMMERS LANE, SUITE 300 WAYNE, PA 19087 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 11.07% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | HARTFORD LIFE AND ACCIDENT | $0 | $6K | $6K | 5.57% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 2.15% |
| DOYLE ALLIANCE GROUP, INC.3 | UNKNOWN KING OF PRUSSIA, PA 19406 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $341 | $0 | $341 | 2.98% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $38 | $0 | $38 | 0.51% |
No Schedule C service providers reported on this filing.
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | 93 | $11K |
| Vision | VISION SERVICE PLAN | 97 | $7K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 258 | $103K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 258 | $103K |
| Other | HARTFORD LIFE AND ACCIDENT | 258 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.