| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | — | $5K | 8.80% |
| PENNSYLVANIA AUTO ASSOC INS AGENCY3 | 1925 NORTH FRONT STREET HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 2.97% |
| PAA SERVICES INC3 Filed as: PAA SERVICES, INC. | 1925 NORTH FRONT STREET HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $1K | $1K | 2.38% |
| CENTURION BENEFITS, LLC3 | 610 W GERMANTOWN AVE, SUITE 350 PLYMOUTH MEETING, PA 19462 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 6.00% |
| CENTURION BENEFITS, LLC3 | 610 W GERMANTOWN AVE., SUITE 150 PLYMOUTH MEETING, PA 19462 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 14.28% |
| CENTURION BENEFITS, LLC3 | 610 WEST GERMANTOWN PIKE, SUITE 350 PLYMOUTH MEETING, PA 19462 | VISION SERVICE PLAN | $474 | — | $474 | 10.01% |
| CENTURION BENEFITS, LLC3 | 610 WEST GERMANTOWN AVE., SUITE 150 PLYMOUTH MEETING, PA 19462 | SUN LIFE ASSURANCE COMPANY OF CANADA | $510 | — | $510 | 11.63% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN FIDELITY ASSURANCE COMPANY | 31 | $61K |
| Dental | UNION SECURITY INSURANCE COMPANY | 77 | $50K |
| Vision | VISION SERVICE PLAN | 42 | $5K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 43 | $20K |
| Short-term disability(3 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 43 | $81K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 31 | $77K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 43 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 77 | — |
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."
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.