| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITMALL3 | 6750 N ANDREWS AVE STE 125 FORT LAUDERDALE, FL 33309 | INDEPENDENCE BLUE CROSS | $129K | $0 | $129K | 2.54% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 630 W GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS | $26K | $0 | $26K | 0.50% |
| BENEFITMALL3 | 6750 N ANDREWS AVE STE 125 FORT LAUDERDALE, FL 33309 | INDEPENDENCE BLUE CROSS | $74K | $0 | $74K | 6.91% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 630 W GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS | $11K | $0 | $11K | 1.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA, INC | 125 EAST ELM ST STE 210 CONSHOHOCKEN, PA 19428 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $45K | $15K | $60K | 13.95% |
| AMERIHEALTH ADMINISTRATORS INC3 Filed as: AMERIHEALTH ADMINISTRATORS | P O BOX 21545 EAGAN, MN 55121 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 2.00% |
| BENEFITMALL3 | 6750 N ANDREWS AVE STE 125 FORT LAUDERDALE, FL 33309 | AMERIHEALTH INSURANCE COMPANY | $2K | $0 | $2K | 2.52% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 630 W GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | AMERIHEALTH INSURANCE COMPANY | $210 | $91 | $301 | 0.38% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE LUTIONS | 24 EAST 2ND ST 1ST FL MEDIA, PA 19063 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.64% |
| GETTYSBURG BENEFITS ADMINISTRATORS3 | 777 BALTIMORE ST STE 97 GETTYSBURG, PA 17325 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $265 | $0 | $265 | 0.41% |
| HEALY, ALFRED, J3 Filed as: HEALY, ALFRED J | 811 BETHLEHEM PK GLENSIDE, PA 19038 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.04% |
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 | 716 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 719 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 406 | $5.2M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 716 | $494K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 716 | $429K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 716 | $429K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 93 | $1.1M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 716 | $429K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 716 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.