| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY | 1275 GLENLIVET DR SUITE 145 ALLENTOWN, PA 18106 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $28K | — | $28K | 2.37% |
| MIERS INSURANCE GROUP3 | 2222 S 12TH ST ALLENTOWN, PA 18103 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $14K | — | $14K | 1.19% |
| MIERS INSURANCE3 Filed as: MIERS INSURANCE INC | 2222 S 12TH STREET ALLENTOWN, PA 18103 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 14.98% |
| MIERS INSURANCE3 Filed as: MIERS INSURANCE INC | 2222 S 12TH STREET ALLENTOWN, PA 18103 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.09% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $44 | $44 | 0.04% |
| THE EQUNOX AGENCY LLC3 | 402 STATE AVENUE EMMAUS, PA 18049 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $5K | 8.10% |
| MIERS INSURANCE3 Filed as: MIERS INSURANCE INC | 2222 SOUTH 12TH STREET ALLENTOWN, PA 18103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $373 | — | $373 | 0.55% |
| INDEPENDENCE PLANNING GROUP | 1767 SENTRY PKWY W BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26 | — | $26 | 0.04% |
| FINANCIAL BALANCE GROUP LLC | 1355 PICARD DRIVE SUITE 380 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.00% |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 100 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 96 | $67K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 100 | $1.2M |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 137 | $115K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 137 | $115K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 100 | $1.2M |
| Other | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 137 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.