| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOYLE ALLIANCE GROUP, INC.3 | 123 SOUTH BROAD STREET SUITE 830 PHILADELPHIA, PA 19109 | KEYSTONE HEALTH PLAN EAST | $90K | $514 | $91K | 6.39% |
| DOYLE ALLIANCE GROUP, INC.3 | 123 SOUTH BOAD STREET SUITE 830 PHILADELPHIA, PA 19109 | INDEPENDENCE BLUE CROSS | $87K | $514 | $88K | 6.40% |
| DOYLE ALLIANCE GROUP, INC.3 | 123 SOUTH BROAD STREET SUITE 830 PHILADELPHIA, PA 19109 | AMERIHEALTH INSURANCE COMPANY | $2K | $17 | $2K | 6.56% |
| ARMSTRONG, DOYLE & CARROLL, INC.3 | 1285 DRUMMERS LANE SUITE 201 WAYNE, PA 19087 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 7.06% |
| DOYLE ALLIANCE GROUP, INC.3 | 123 SOUTH BROAD STREET SUITE 830 PHILADELPHIA, PA 19109 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $2K | — | $2K | 9.92% |
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 | 205 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KEYSTONE HEALTH PLAN EAST | 205 | $2.8M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 116 | $51K |
| Vision | INDEPENDENCE BLUE CROSS | 185 | $1.4M |
| Prescription drug(3 contracts, 3 carriers) | KEYSTONE HEALTH PLAN EAST | 205 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.