| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS CONSULTANTS3 | 682 N BROOKSIDE ROAD ALLENTOWN, PA 18106 | SYMETRA LIFE INSURANCE COMPANY | $30K | $0 | $30K | 5.82% |
| EMPLOYEE BENEFITS CONSULTING GROUP3 Filed as: EMPLOYEE BENEFITS CONSULTING | 682 N BROOKSIDE RD STE 100 ALLENTOWN, PA 18106 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $0 | $39K | 8.36% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PKWY W STE 320 BLDG 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $9K | $34K | 7.16% |
| JOHN J IANNANTUONO3 | 682 N. BROOKSIDE RD. ALLENTOWN, PA 18106 | HARTFORD LIFE AND ACCIDENT | $430 | $0 | $430 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL BLUE CROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $301K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $101K |
| EMPLOYEE BENEFITS CONSULTANTS BROKER | Insurance agents and brokers Service code 22 | 682 N. BROOKSIDE RD. ALLENTOWN, PA 18106 | $94K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $33K |
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 | 915 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 919 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,356 | $469K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,224 | $78K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 915 | $523K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 915 | $523K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 915 | $523K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 655 | $941K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 915 | $526K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,356 | — |
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.