| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZAIN SYED HASAN3 | 6915 LONG LEAF DRIVE PARKLAND, FL 33076 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $64K | $0 | $64K | 17.29% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, SUITE 308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $23K | $23K | 6.27% |
| BRIAN M DENOIA3 | 1312 BARTON AVENUE POINT PLEASANT BORO, NJ 08742 | AFLAC | $3K | $0 | $3K | 8.69% |
| MJ INSURANCE3 Filed as: JOSE A SCHIENEMAN & VARIOUS AGENTS | 1881 SOUTH CARRIAGE LANE CHANDLER, AZ 85286 | AFLAC | $700 | $0 | $700 | 2.31% |
| CHRISTOPHER J BURRIS3 | 309 CENTRAL PARKWAY BAYVILLE, NJ 08721 | AFLAC | $402 | $0 | $402 | 1.32% |
| CAESAR D WILLIAMS JR3 | 325 CHESTNUT STREET, SUITE 8 PHILADELPHIA, PA 19106 | AFLAC | $239 | $0 | $239 | 0.79% |
| ROBERT TORRES3 | 68 BROOKVIEW LANE POTTSTOWN, PA 19464 | AFLAC | $154 | $0 | $154 | 0.51% |
| CECILIA K WILLIAMS3 | 1429 WALNUT STREET, SUITE 601 PHILADELPHIA, PA 19102 | AFLAC | $151 | $0 | $151 | 0.50% |
| SUPPLEMENTAL BENEFITS GRP OF PA INC3 Filed as: SUPPLEMENTAL BENEFITS GROUP OF PA | 325 CHESTNUT STREET, SUITE 8 PHILADELPHIA, PA 19106 | AFLAC | $129 | $0 | $129 | 0.42% |
| BRIAN A. MARTINEZ4 Filed as: BRIAN A MARTINEZ | 136 PRAIRIE DUNE WAY ORLANDO, FL 32828 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $157 | $0 | $157 | 4.37% |
| MICHAEL S SCHWARTZ4 | 34 DRYDEN ROAD NEW CASTLE, DE 19720 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $116 | $0 | $116 | 3.23% |
| WORRY FREE LIVE MORE LLC4 Filed as: WORRY FREE LIVE MORE, LLC | 829 ARBORMOOR PLACE LAKE MARY, FL 32746 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $105 | $0 | $105 | 2.92% |
| LESLY MARCELIN4 | 16526 SEASHORE HIGHWAY GEORGETOWN, DE 19947 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $31 | $0 | $31 | 0.86% |
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 | 340 | 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) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 340 | $371K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 554 | $22K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 340 | $401K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 340 | $371K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 340 | $371K |
| Prescription drug | NAVITUS HEALTH SOLUTIONS | 565 | $699K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 340 | $405K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.