| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE, INC. | 521 WEST MAIN STREET LANSDALE, PA 19446 | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | $70K | $0 | $70K | 16.17% |
| THE BENECON GROUP3 Filed as: THE BENECON GROUP, LLC | 201 EAST OREGON ROAD, SUITE 100 LITITZ, PA 17543 | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | $31K | $0 | $31K | 7.13% |
| CONNECTCARE3, LLC3 | 201 EAST OREGON ROAD, SUITE 100 LITITZ, PA 17543 | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | $11K | $0 | $11K | 2.48% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE, INC. | PO BOX 391 LANSDALE, PA 19446 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.68% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | UNKNOWN MELVILLE, NY 11747 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN MECHANICSBURG, PA 17055 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8 | $5 | $13 | 0.01% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE, INC. | 521 WEST MAIN STREET LANSDALE, PA 19446 | DELTA DENTAL OF PENNSYLVANIA | $2K | $0 | $2K | 2.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | DELTA DENTAL OF PENNSYLVANIA | $1K | $0 | $1K | 2.13% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE, INC. | 521 WEST MAIN STREET LANSDALE, PA 19446 | VISION BENEFITS OF AMERICA | $486 | $0 | $486 | 4.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD RADNOR, PA 19087 | VISION BENEFITS OF AMERICA | $213 | — | $213 | 1.96% |
| UNKNOWN3 | UNKNOWN READING, PA 19604 | CAPITAL ADVANTAGE ASSURANCE COMPANY | -$6K | $0 | -$6K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNIVEST INSURANCE BROKER | Insurance agents and brokers Service code 22 | 521 WEST MAIN STREET PO BOX 391 LANSDALE, PA 19446 | $70K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $31K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $11K |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 230 | $0 |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 180 | $54K |
| Vision | VISION BENEFITS OF AMERICA | 188 | $11K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 221 | $108K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 221 | $108K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 221 | $108K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 230 | $0 |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 166 | $432K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 230 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.