| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMSTRONG, DOYLE & CARROLL, INC.3 Filed as: ARMSTRONG DOYLE CARROLL, INC. | 2 GLENHARDIE CORPORATE CENTER WAYNE, PA 19087 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 6.55% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN ASSOCIATES, LLC | JAMES R. NELLIGAN ASSOCIATES ALBANY, NY 12204 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 3.53% |
| ARMSTRONG, DOYLE & CARROLL, INC.3 Filed as: ARMSTRONG DOYLE CARROLL, INC. | 2 GLENHARDIE CORPORATE CENTER WAYNE, PA 19087 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 5.30% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | AETNA LIFE INSURANCE CO. | $372 | — | $372 | 0.98% |
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY ASSOCIATES | 25B HANOVER RD FLORHAM PARK, NJ 07932 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $1K | — | $1K | 6.59% |
| ERC OF NY, INC.3 | — | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | -$210 | — | -$210 | -1.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE ADMINISTRATORS EIN 23-2184623 MED/RX/VISION ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $106K |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 41 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 136 | $55K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 175 | $103K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 175 | $103K |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 175 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.