| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLEXIBLE BENEFITS PLANS INC3 Filed as: FLEXIBLE BENEFITS PLANS, INC | 1288 VALLEY FORGE ROAD VALLEY FORGE, PA 19482 | INDEPENDENCE BLUE CROSS- KEYSTON | $40K | $0 | $40K | 7.22% |
| FLEXIBLE BENEFIT PLANS, INC.3 Filed as: FLEXIBLE BENEFIT PLANS | 1288 VALLEY FORGE ROAD VALLEY FORGE, PA 19482 | INDEPENDENCE BLUE CROSS | $15K | $0 | $15K | 4.35% |
| ENROLLEASE3 Filed as: KATZ PIERZ INC | 413 MARLTON PIKE EAST SUITE 100 CHERRY HILL, NJ 08034 | UNION SECURITY INSURANCE COMPANY | $6K | $0 | $6K | 11.88% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 Filed as: ADVANCED BENEFIT CONCEPTS LLC | 413 MARLTON PIKE EAST CHERRY HILL, NJ 08034 | UNION SECURITY INSURANCE COMPANY | $0 | $2K | $2K | 3.21% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 301 INTERNATIONAL CIRCLE SPARKS, MD 21152 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC | $4K | $0 | $4K | 15.84% |
| ENROLLEASE3 Filed as: KATZ/PEIERZ | 413 MARLTON PIKE EAST, SUITE 100 CHERRY HILL, NJ 08034 | VISION SERVICE PLAN | $811 | $0 | $811 | 7.00% |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 38 | $335K |
| Dental | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC | 121 | $23K |
| Vision | VISION SERVICE PLAN | 101 | $12K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 98 | $49K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 98 | $49K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 38 | $335K |
| Other | UNION SECURITY INSURANCE COMPANY | 98 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.