| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $133K | $8K | $141K | 2.69% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL.COM/CENTERSTONE | — | INDEPENDENCE BLUE CROSS | $429 | $0 | $429 | 0.01% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $91K | $5K | $96K | 7.72% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL.COM/CENTERSTONE | — | INDEPENDENCE BLUE CROSS | $0 | $0 | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | 125 EAST ELM ST STE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 9.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA INC | 125 EAST ELM ST STE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | 125 EAST ELM ST STE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA INC | 125 EAST ELM ST STE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.48% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | AMERIHEALTH INSURANCE COMPANY | $760 | $87 | $847 | 1.78% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL.COM/CENTERSTONE | — | AMERIHEALTH INSURANCE COMPANY | -$429 | $0 | -$429 | -0.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | 125 EAST ELM ST STE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA INC | 125 EAST ELM ST STE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | 125 EAST ELM ST STE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 22.33% |
| THE ULTIMATE SOFTWARE GROUP3 Filed as: ULTIMATE SOFTWARE GROUP | PO BOX 930953 ATLANTA, GA 31193 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $735 | $735 | 2.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | 125 EAST ELM STREET STE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 22.38% |
| THE ULTIMATE SOFTWARE GROUP3 Filed as: ULTIMATE SOFTWARE GROUP | PO BOX 930953 ATLANTA, GA 31193 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $633 | $633 | 2.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | 125 EAST ELM ST STE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 22.38% |
| THE ULTIMATE SOFTWARE GROUP3 Filed as: ULTIMATE SOFTWARE GROUP INC | PO BOX 930953 ATLANTA, GA 31193 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $408 | $408 | 2.68% |
| HORIZON INSURANCE COMPANY3 Filed as: HORIZON HOUSE LEGAL - 0225 | — | COUNTRYWIDE ENTERPRISES, INC | $779 | $0 | $779 | 5.81% |
| HORIZON INSURANCE COMPANY3 Filed as: HORIZON HOUSE ID THEFT - 0225 | — | COUNTRYWIDE ENTERPRISES, INC | $281 | $0 | $281 | 2.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | 125 EAST ELM ST STE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $573 | $0 | $573 | 9.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA INC | 125 EAST ELM ST STE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $337 | $0 | $337 | 5.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 125 EAST ELM ST STE 210 CONSHOHOCKEN, PA 19428 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $759 | $0 | $759 | 22.50% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $135 | $0 | $135 | 4.00% |
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 | 380 | 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) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 512 | $5.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $3K |
| Vision | INDEPENDENCE BLUE CROSS | 117 | $1.2M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 688 | $33K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 609 | $97K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 117 | $1.2M |
| Other(7 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 688 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 688 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.