| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS | 450 SOUTH GRAVERS RD SUITE 200 PLYMOUTH MEETING, PA 19462 | GEISINGER HEALTH PLAN | $48K | $0 | $48K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 E ELM ST SUITE 210 CONSHOHOCKEN, PA 19428 | UPMC HEALTH OPTIONS | $6K | $0 | $6K | 1.94% |
| ALPHA BENEFITS GROUP INC3 | 450 S. GRAVERS ROAD, STE 200 PLYMOUTH MEETING, PA 19462 | UPMC HEALTH OPTIONS | $215 | $0 | $215 | 0.07% |
| ALPHA BENEFITS GROUP INC3 | 450 S GRAVERS RD SUITE 200 PLYMOUTH MEETING, PA 19462 | DELTA DENTAL OF PENNSYLVANIA | $7K | $0 | $7K | 8.00% |
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS | 450 SOUTH GRAVERS RD. SUITE 200 PLYMOUTH MEETING, PA 19462 | GEISINGER QUALITY OPTIONS, INC. | $1K | $0 | $1K | 3.00% |
| ALPHA BENEFITS GROUP INC3 | 450 S GRAVERS RD STE 200 PLYMOUTH MEETING, PA 19462 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $268 | $4K | 12.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 E ELM ST SUITE 210 CONSHOHOCKEN, PA 19428 | UPMC HEALTH PLAN | $215 | $0 | $215 | 5.12% |
| ALPHA BENEFITS INC3 Filed as: ALPHA BENEFITS | 450 S. GRAVERS RD. SUITE 200 PLYMOUTH MEETING, PA 19462 | UPMC HEALTH PLAN | $78 | $0 | $78 | 1.86% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | GEISINGER HEALTH PLAN | 340 | $2.0M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 340 | $86K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $36K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $36K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.