| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE LEFF COMPANY INC3 Filed as: THE LEFF COMPANY | 318 HUNTINGDON PIKE ROCKLEDGE, PA 19046 | COMPANION LIFE INSURANCE CO | $27K | — | $27K | 5.18% |
| INCENTIVE SYSTEMS INC3 Filed as: INCENTIVE SYSTEMS, INC. | 280 PENNBROOK PARKWAY LANSDALE, PA 19446 | NATIONWIDE LIFE INSURANCE COMPANY | $6K | — | $6K | 15.01% |
| INCENTIVE SYSTEMS INC3 | 280 PENNBROOK PARKWAY LANSDALE, PA 19446 | VISION SERVICE PLAN | $1K | — | $1K | 5.21% |
| EMERSON REID LLC3 | 350 FIFTH AVENUE #3700 NEW YORK, NY 10118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 24.94% |
| INCENTIVE SYSTEMS INC3 | 280 PENNBROOK PARKWAY LANSDALE, PA 19446 | NATIONWIDE LIFE INSURANCE COMPANY | $2K | — | $2K | 15.12% |
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 | 396 | 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) | 396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NOW ADMINISTRATIVE SERVICES | 290 | $2.0M |
| Dental | HEALTH NOW ADMINISTRATIVE SERVICES | 290 | $2.0M |
| Vision | VISION SERVICE PLAN | 124 | $23K |
| Life insurance(2 contracts) | NATIONWIDE LIFE INSURANCE COMPANY | 390 | $51K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $18K |
| Prescription drug | HEALTH NOW ADMINISTRATIVE SERVICES | 290 | $2.0M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE CO | 288 | $736K |
| Other(2 contracts) | NATIONWIDE LIFE INSURANCE COMPANY | 390 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.