| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS GROUP | 125 EAST ELM ST STE 210 CONSHOHOCKEN, PA 19428 | GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | GUARDIAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.45% |
| FINANCIAL BALANCE GROUP LLC3 | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | GUARDIAN LIFE INSURANCE COMPANY | $27 | $0 | $27 | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 EAST ELM ST STE 210 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $397 | $2K | 6.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $349 | $3K | 15.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 EAST ELM ST STE 210 CONSHOHOCKEN, PA 19428 | VISION BENEFITS OF AMERICA | $571 | $0 | $571 | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 EAST ELM ST STE 210 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $499 | $58 | $557 | 16.66% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 73 | $48K |
| Vision | VISION BENEFITS OF AMERICA | 76 | $11K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $23K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $20K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.