| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOYLE ALLIANCE GROUP, INC.3 Filed as: DOYLE ALLIANCE GROUP INC | 123 SOUTH BROAD STREET SUITE 830 PHILADELPHIA, PA 19109 | INDEPENDENCE BLUE CROSS | $44K | — | $44K | 3.04% |
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY ASSOCIATES | 1600 JFK BOULEVARD SUITE 1220 PHILADELPHIA, PA 19103 | INDEPENDENCE BLUE CROSS | $30K | $5K | $35K | 2.40% |
| DOYLE ALLIANCE GROUP, INC.3 Filed as: DOYLE ALLIANCE GROUP INC | 123 SOUTH BROAD STREET SUITE 830 PHILADELPHIA, PA 19109 | KEYSTONE HEALTH PLAN EAST | $40K | — | $40K | 2.96% |
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY ASSOCIATES | 1600 JFK BOULEVARD SUITE 1220 PHILADELPHIA, PA 19103 | KEYSTONE HEALTH PLAN EAST | $28K | $5K | $33K | 2.41% |
| ARMSTRONG, DOYLE & CARROLL, INC.3 | 1285 DRUMMERS LANE SUITE 201 WAYNE, PA 19087 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 7.07% |
| DOYLE ALLIANCE GROUP, INC.3 | 123 SOUTH BROAD STREET SUITE 830 PHILADELPHIA, PA 19109 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $1K | — | $1K | 5.07% |
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY ASSOCIATES | 1600 JFK BOULEVARD SUITE 1220 PHILADELPHIA, PA 19103 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $1K | — | $1K | 4.87% |
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY ASSOCIATES | 1600 JFK BOULEVARD SUITE 1220 PHILADELPHIA, PA 19103 | AMERIHEALTH INSURANCE COMPANY | $352 | $410 | $762 | 3.37% |
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 | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 172 | $2.8M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 117 | $55K |
| Vision | INDEPENDENCE BLUE CROSS | 172 | $1.5M |
| Prescription drug(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 172 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.