| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | KEYSTONE (INDEPENDENCE BLUE CROSS) | $52K | $2K | $54K | 5.10% |
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK, | AN ALERA GROUP AGENCY, LLC 1041 OLD CASSATT RD BERWYN, PA 19312 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 13.32% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY, | AN ALERA GROUP, LLC 155 PINELAWN RD STE 120S MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $0 | $6K | $6K | 9.53% |
| ASSUREDPARTNERS3 Filed as: SIMKISS AGENCY | 2 PAOLI OFFICE PARK PAOLI, PA 19301 | AETNA LIFE INSURANCE COMPANY | $145 | $2K | $3K | 6.43% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY INC | 2 PAOLI OFFICE PARK PAOLI, PA 19301 | AETNA LIFE INSURANCE COMPANY | $0 | $157 | $157 | 0.39% |
| CAGLIOLA, DAVID A3 | ALERA GROUP, LLC 1041 OLD CASSATT RD BERWYN, PA 19312 | ASSURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 11.79% |
| RAABE, LISA MARIE3 | — | ASSURITY LIFE INSURANCE COMPANY | $794 | — | $794 | 6.55% |
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK, | AN ALERA GROUP AGENCY, LLC. 1041 OLD CASSATT ROAD BERWYN, PA 19312 | VISION BENEFITS OF AMERICA | $458 | — | $458 | 10.00% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE (INDEPENDENCE BLUE CROSS) | 90 | $1.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 93 | $40K |
| Vision | VISION BENEFITS OF AMERICA | 52 | $5K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 146 | $63K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 146 | $63K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 146 | $63K |
| Prescription drug | KEYSTONE (INDEPENDENCE BLUE CROSS) | 90 | $1.1M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 146 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.