| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNIVEST INSURANCE INC3 | 521 WEST MAIN STREET PO BOX 391 LANSDALE, PA 19446 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 4.13% |
| INDEPENDENCE PLANNING GROUP3 Filed as: INDEPENDENCE PLANNING GROUP LLC | 1767 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20 | $0 | $20 | 0.03% |
| MAZZMAR LLC3 | 1767 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5 | $0 | $5 | 0.01% |
| UNIVEST INSURANCE INC3 | 521 WEST MAIN STREET PO BOX 391 LANSDALE, PA 19446 | USABLE LIFE | $2K | $0 | $2K | 15.00% |
| CONSOLIDATED BENEFITS INC3 | 2500 ELMERTON AVENUE HARRISBURG, PA 17110 | USABLE LIFE | $539 | $0 | $539 | 5.00% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE | 1495 ALANWOOD ROAD, SUITE 4 CONSHOHOCKEN, PA 19428 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $422 | $0 | $422 | 4.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 100 SUMMIT LAKE DRIVE, SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $600 | $0 | $600 | 13.68% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $74K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 15 | $11K |
| Short-term disability | USABLE LIFE | 20 | $11K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 10 | $4K |
| Other | PENN FOUNDATION | 130 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.