| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAWFORD ADVISORS, LLC3 | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.32% |
| CRAWFORD ADVISORS, LLC3 | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.00% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | 650 NORTH 12TH STREET LEMOYNE, PA 17043 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $880 | — | $880 | 2.26% |
| CRAWFORD ADVISORS, LLC3 | 21 E 5TH AVE, STE 204 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $462 | — | $462 | 1.19% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.72% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 12.48% |
| MF IRVINE COMPANIES LLC3 Filed as: M.F. IRVINE COMPANIES, LLC | 215 E 5TH AVE SUITE 204 CONSHOHOCKEN, PA 19428 | VISION BENEFITS OF AMERICA | $753 | — | $753 | 5.00% |
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 | 530 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 466 | $1.6M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 313 | $99K |
| Vision | VISION BENEFITS OF AMERICA | 226 | $15K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 530 | $131K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 530 | $83K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $67K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 530 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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.