| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $481 | $15K | 16.39% |
| BENAWARE3 Filed as: BENAWARE, LLC | 811 BETHLEHEM PIKE GLENSIDE, PA 19038 | TRUSTMARK INSURANCE COMPANY | $338 | — | $338 | 2.48% |
| JP WARNER ASSOCIATES, INC.3 | 485 DEVON PARK DRIVE, SUITE 103 WAYNE, PA 19087 | TRUSTMARK INSURANCE COMPANY | $274 | — | $274 | 2.01% |
| NATIONS ENROLLMENT SYSTEMS LLC3 Filed as: NATIONS ENROLLMENT SYSTEM | 811 BETHLEHEM PIKE GLENSIDE, PA 19038 | TRUSTMARK INSURANCE COMPANY | $171 | — | $171 | 1.26% |
| ALFRED J HEALY3 Filed as: ALFRED J. HEALY | 505 PLYMOUTH ROAD GWYNEDD VALLEY, PA 19437 | TRUSTMARK INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| ALFRED J HEALY3 Filed as: ALFRED J. HEALY | 811 BETHLEHEM PIKE GLENSIDE, PA 19038 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $344 | — | $344 | 5.19% |
| BENAWARE3 Filed as: BENAWARE, LLC | 811 BETHLEHEM PIKE GLENSIDE, PA 19038 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $196 | — | $196 | 2.96% |
| JP WARNER ASSOCIATES, INC.3 | 485 DEVON PARK DRIVE, SUITE 103 WAYNE, PA 19087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $121 | — | $121 | 1.83% |
| FRANK KABAY3 | 1438 COLWELL LANE, SUITE 303 CONCHOHOCKEN, PA 19428 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.54% |
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 | 745 | 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) | 745 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 627 | $5.9M |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 627 | $5.9M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 757 | $94K |
| Long-term disability | TRUSTMARK INSURANCE COMPANY | 35 | $14K |
| Prescription drug(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 627 | $5.9M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 757 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 757 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.