| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MF IRVINE COMPANIES LLC3 Filed as: M.F. IRVINE COMPANIES LLC | 21 E 5TH AVENUE SUITE 204 CONSHOHOCKEN, PA 19428 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 4.50% |
| LIFE & HEALTH INSURANCE COMPANY3 | PO BOX 429 UNIONVILLE, PA 19375 | NATIONWIDE LIFE INSURANCE COMPANY | $7K | — | $7K | 9.46% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS AFLAC AGENTS | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $2K | $14 | $2K | 11.41% |
| LIFE AND HEALTH INS SVCS3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $964 | — | $964 | 5.74% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 408 KENNETT SQUARE, PA 193480408 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 9.23% |
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 | 621 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 621 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 405 | $118K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 127 | $17K |
| Life insurance | NATIONWIDE LIFE INSURANCE COMPANY | 525 | $71K |
| Short-term disability | NATIONWIDE LIFE INSURANCE COMPANY | 525 | $71K |
| Other(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE COMPANY | 525 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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.