| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL T RODY INC3 Filed as: MICHAEL T. RODY INC | 19 SOUTH HIGH STREET WEST CHESTER, PA 19382 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $41K | $2K | $42K | 3.93% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 Filed as: EMPLOYEE BEENFITS CORPORATION OF AM | 1410 SPRING HILL ROAD SUITE 150 MCLEAN, VA 22102 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $23K | — | $23K | 2.14% |
| MICHAEL T RODY INC3 | C/O BRANDYWINE VALLEY INSURANCE GRO 19 SOUTH HIGH STREET WEST CHESTER, PA 19382 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $49K | — | $49K | 10.51% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $280 | $280 | 0.06% |
| MICHAEL T RODY INC3 | 19 SOUTH HIGH STREET WEST CHESTER, PA 19382 | MADISON NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 42.77% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 6.00% |
| BENOIT & ASSOCIATES, INC3 Filed as: BENOIT & ASSOCIATES | 3645 WILLIAMS BOULEVARD #101 KENNER, LA 70065 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $728 | $728 | 2.00% |
| MICHAEL T RODY INC3 Filed as: MICHAEL T RODAY INC | 19 SOUTH HIGH STREET WEST CHESTER, PA 19382 | UNION SECURITY INSURANCE COMPANY | $729 | — | $729 | 10.42% |
| BENOIT & ASSOCIATES, INC3 Filed as: BENOIT & ASSOCIATES | PO BOX 640488 KENNER, LA 70064 | UNION SECURITY INSURANCE COMPANY | $523 | — | $523 | 7.48% |
| DISABILITY RMS3 Filed as: DISABILITY RMS, INC | 300 SOUTHBOROUGH DRIVE SUITE 200 SOUTH PORTLAND, ME 04092 | UNION SECURITY INSURANCE COMPANY | — | $301 | $301 | 4.30% |
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 | 622 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 624 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KEYSTONE | 370 | $8.0M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 674 | $235K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 201 | $21K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 768 | $471K |
| Short-term disability(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 768 | $514K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 768 | $471K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 183 | $2.1M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 768 | $478K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 768 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.