| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOYLE ALLIANCE GROUP, INC.3 | 123 SOUTH BROAD STREET SUITE 830 PHILADELPHIA, PA 19109 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $13K | — | $13K | 9.32% |
| ARMSTRONG, DOYLE & CARROLL, INC.3 | 1285 DRUMMERS LANE STE 201 WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 11.63% |
| ARMSTRONG, DOYLE & CARROLL, INC.3 | 1285 DRUMMERS LANE STE 201 WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.85% |
| DOYLE ALLIANCE GROUP, INC.3 | 123 SOUTH BROAD STREET SUITE 830 PHILADELPHIA, PA 19109 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $2K | — | $2K | 7.05% |
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 | 484 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 484 | $163K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 375 | $86K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 375 | $86K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 375 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.