| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTURION BENEFITS, LLC3 | 610 W GERMANTOWN AVE., SUITE 150 PLYMOUTH MEETING, PA 19462 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 9.46% |
| PENNSYLVANIA AUTO ASSOC INS AGENCY3 | 1925 NORTH FRONT STREET HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 6.09% |
| PAA SERVICES INC3 Filed as: PAA SERVICES, INC. | 1925 NORTH FRONT STREET HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $523 | $523 | 1.22% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $34 | — | $34 | 0.08% |
| CENTURION BENEFITS, LLC3 | 610 WEST GERMANTOWN AVE., SUITE 150 PLYMOUTH MEETING, PA 19462 | SUN LIFE ASSURANCE COMPANY OF CANADA | $498 | — | $498 | 11.44% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 180 | $1.0M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 88 | $70K |
| Vision | AETNA LIFE INSURANCE CO. | 180 | $975K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 88 | $75K |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 88 | $118K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 88 | $113K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 55 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.