| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL, INC. | 21 E 5TH AVENUE CONSHOHOCKEN, PA 19428 | SIRIUS AMERICA INSURANCE COMPANY | $3K | — | $3K | 1.49% |
| AP BENEFIT ADVISORS, LLC3 | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.07% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.00% |
| AP BENEFIT ADVISORS, LLC3 | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.84% |
| AP BENEFIT ADVISORS, LLC3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.19% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | 650 NORTH 12TH STREET LEMOYNE, PA 17043 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $210 | — | $210 | 0.66% |
| AP BENEFIT ADVISORS, LLC3 | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.77% |
| MF IRVINE COMPANIES LLC3 Filed as: M. F. IRVINE COMPANIES LLC | 21 E 5TH AVENUE SUITE 204 CONSHOHOCKEN, PA 19428 | VISION BENEFITS OF AMERICA | $957 | — | $957 | 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 | 508 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 244 | $133K |
| Vision | VISION BENEFITS OF AMERICA | 267 | $19K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 508 | $88K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 508 | $88K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $69K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 325 | $1.9M |
| Other(4 contracts, 2 carriers) | SIRIUS AMERICA INSURANCE COMPANY | 508 | $374K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 508 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.