| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENECON GROUP3 | PO BOX 5406 LANCASTER, PA 17606 | KANSAS CITY LIFE INSURANCE COMPANY | $7K | $0 | $7K | 6.52% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | $0 | $7K | $7K | 6.00% |
| EMERSON REID LLC5 Filed as: EMERSON REID & COMPANY, INC | 669 RIVER DRIVE CENTER, SUITE 305 ELMWOOD PARK, NJ 07407 | KANSAS CITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.60% |
| NHUNG LE PHAN3 | 102 LIBERTY AVENUE ATLANTIC CITY, NJ 08401 | KANSAS CITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.10% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MURRAY RISK MANAGEMENT | 39 NORTH DUKE STREET LANCASTER, PA 17602 | KANSAS CITY LIFE INSURANCE COMPANY | $609 | $0 | $609 | 0.53% |
| THE BENECON GROUP3 Filed as: BENECON GROUP INC | PO BOX 5406 LANCASTER, PA 17606 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 8.28% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $64 | $64 | 0.14% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $29 | $29 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 ADMIN | Claims processing Service code 12 | — | $11K |
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 | 292 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 292 | $46K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 136 | $115K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 136 | $115K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 462 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.