| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AETNA LIFE INSURANCE COMPANY | $5K | $24 | $5K | 2.67% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | UNKNOWN PHILADELPHIA, PA 19123 | AETNA LIFE INSURANCE COMPANY | $0 | $176 | $176 | 0.10% |
| USI INSURANCE SERVICES LLC3 | 1 INTERNATIONAL PLAZA, 4TH FLOOR PHILADELPHIA, PA 19113 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $0 | $16K | 1640.74% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER, STRONG AND BUCKELEW CO. | PO BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 1.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 1.11% |
| ROY B. PORTNER3 | 631 FORREST AVENUE JENKINTOWN, PA 19046 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 1.11% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $4 | $5 | 0.50% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | -$16K | $0 | -$16K | -1640.74% |
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 | 474 | 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) | 474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AETNA LIFE INSURANCE COMPANY | 474 | $169K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 474 | $169K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 474 | $169K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 883 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 883 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.