| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | SUNLIFE ASSURANCE COMPANY OF CANADA | $0 | $4K | $4K | 7.87% |
| UNIVEST INSURANCE INC3 | 521 WEST MAIN STREET LANSDALE, PA 19446 | SUNLIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 6.33% |
| UNIVEST INSURANCE INC3 | 521 WEST MAIN STREET LANDSALE, PA 19446 | USABLE LIFE | $1K | $0 | $1K | 15.00% |
| CONSOLIDATED BENEFITS INC3 | 2500 ELMERTON AVENUE HARRISBURG, PA 17110 | USABLE LIFE | $496 | $0 | $496 | 5.12% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE | 1495 ALANWOOD ROAD CONSHOHOCKEN, PA 19428 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $351 | $0 | $351 | 3.95% |
| ROGERS BENEFIT GROUP INC3 Filed as: EMEROSN ROGERS, LLC | 669 RIVER DRIVE, CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | HARTFORD LIFE AND ACCIDENT | $450 | $225 | $675 | 15.00% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUNLIFE ASSURANCE COMPANY OF CANADA | 86 | $51K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 123 | $9K |
| Short-term disability | USABLE LIFE | 21 | $10K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 8 | $5K |
| Other | PENN FOUNDATION | 132 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.