| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INDEPENDENCE ADMINISTRATORS3 | 602 OFFICE CENTER DRIVE, SUITE 350 FORT WASHINGTON, PA 19034 | INDEPENDENCE ADMINISTRATORS | $62K | — | $62K | 10.39% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 21 E. 5TH AVE STE 205 CONSHOHOCKEN, PA 19428 | GUARDIAN | $8K | — | $8K | 3.87% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E. 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E. 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E. 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.25% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 21 E. 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | EYEMED - FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 7.90% |
| MF IRVINE COMPANIES LLC3 Filed as: M.F. IRVINE CORPORATE SOLUTIONS | 21 E. 5TH AVE CONSHOHOCKEN, PA 19428 | EYEMED - FIDELITY SECURITY LIFE INSURANCE COMPANY | $421 | — | $421 | 1.75% |
| MF IRVINE COMPANIES LLC3 Filed as: M.F. IRVINE CORPORATE SOLUTIONS | 21 E. 5TH AVE CONSHOHOCKEN, PA 19428 | EYEMED - FIDELITY SECURITY LIFE INSURANCE COMPANY | $60 | — | $60 | 0.25% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E. 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 491 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE ADMINISTRATORS | 324 | $599K |
| Dental | GUARDIAN | 323 | $216K |
| Vision | EYEMED - FIDELITY SECURITY LIFE INSURANCE COMPANY | 517 | $24K |
| Other(5 contracts, 2 carriers) | GUARDIAN | 526 | $414K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.