| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE INC. | 521 W. MAIN ST. PO BOX 391 LANSDALE, PA 194462009 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $29K | $39K | 4.63% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC PA DE | VEVA 16, SUITE 320 BLUE BELL, PA 194222239 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 1.82% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 100 SUMMIT LAKE DR. VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $9K | $6K | $16K | 18.08% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | — | -$52 | -$52 | -0.06% |
| EMERSON REID LLC3 | 1305 WALT WHITMON ROAD, SUITE 310 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | -$62 | -$31 | -$93 | -0.11% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 127 | $832K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 127 | $832K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 127 | $832K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 116 | $87K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 116 | $87K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 116 | $87K |
| Other | HARTFORD LIFE AND ACCIDENT | 116 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.