| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY, LLC | 1275 GLENLIVET DRIVE SUITE 340 ALLENTOWN, PA 18106 | HIGHMARK INC | $39K | — | $39K | 8.02% |
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY, LLC | 402 STATE AVENUE EMMAUS, PA 18049 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $5K | 13.75% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN & ASSOC | 11 MARISSA DRIVE NEW EGYPT, NJ 08533 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $795 | — | $795 | 2.29% |
| INDEPENDENCE PLANNING GROUP3 | 1767 SENTRY PKWY W BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.03% |
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY, LLC | 402 STATE AVENUE EMMAUS, PA 18049 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $355 | $3K | 14.03% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 11 MARISSA DRIVE NEW EGYPT, NJ 08533 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $444 | — | $444 | 2.19% |
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY, LLC | 402 STATE AVENUE EMMAUS, PA 18049 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $119 | $1K | 16.75% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 11 MARISSA DRIVE NEW EGYPT, NJ 08533 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $144 | — | $144 | 2.12% |
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY, LLC | 1275 GLENLIVET DR. SUITE 145 ALLENTOWN, PA 18106 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $195 | — | $195 | 6.00% |
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY, LLC | 402 STATE AVENUE EMMAUS, PA 18049 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $743 | — | $743 | 23.60% |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 97 | $489K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 80 | $35K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 77 | $3K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $20K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $20K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 40 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.
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.