| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | VISION BENEFITS OF AMERICA | $411 | $0 | $411 | 3.08% |
| VINCENT P CASANOVA3 Filed as: VINCENT CASANVOA | 4021 REDWING LAND AUDUBON, PA 19403 | VISION BENEFITS OF AMERICA | $257 | $0 | $257 | 1.92% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 19403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $639 | $0 | $639 | 5.03% |
| VINCENT P CASANOVA3 Filed as: VINCENT P. CASANVOA | 4021 REDWING LAND AUDUBON, PA 19403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $385 | $0 | $385 | 3.03% |
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 | 356 | 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) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 537 | $125K |
| Vision | VISION BENEFITS OF AMERICA | 338 | $13K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 356 | $0 |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 356 | $0 |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 356 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 537 | — |
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.