| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FAIRMOUNT BENEFITS INC3 Filed as: FAIRMOUNT BENEFITS INC. | TWO RANDOR CORPORATE CENTER SUITE 110 WAYNE, PA 19087 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 10.25% |
| FAIRMOUNT BENEFITS INC3 | 2 RANDOR CORPORATE CENTER STE 110 RANDOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| FAIRMOUNT BENEFITS INC5 | 2 RANDOR CORPORATE CENTER STE 110 RANDOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $628 | $628 | 3.00% |
| FAIRMOUNT BENEFITS INC3 Filed as: FAIRMOUNT BENEFITS, INC | 100 MATSONFORD ROAD RANDOR, PA 19087 | VISION SERVICE PLAN | $852 | $0 | $852 | 6.63% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $64 | $0 | $64 | 0.50% |
| FAIRMOUNT BENEFITS INC3 | 2 RANDOR CORPORATE CENTER STE 110 RANDOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| FAIRMOUNT BENEFITS INC5 | 2 RANDOR CORPORATE CENTER STE 110 RANDOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $369 | $369 | 3.00% |
| FAIRMOUNT BENEFITS INC3 | 2 RANDOR CORPORATE CENTER STE 110 RANDOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| FAIRMOUNT BENEFITS INC5 | 2 RANDOR CORPORATE CENTER STE 110 RANDOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $320 | $320 | 3.00% |
| FAIRMOUNT BENEFITS INC3 Filed as: FAIRMOUNT BENEFITS | 2 RANDOR CORPORATE CENTER STE 110 RANDOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $244 | $0 | $244 | 10.00% |
| FAIRMOUNT BENEFITS INC5 Filed as: FAIRMOUNT BENEFITS | 2 RANDOR CORPORATE CENTER STE 110 RANDOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $73 | $73 | 2.99% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 89 | $71K |
| Vision | VISION SERVICE PLAN | 76 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $2K |
| Other(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.