| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENECON GROUP3 Filed as: THE BENECON GROUP, LLC | 201 E OREGON RD STE 100 LITITZ, PA 17543 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $37K | $0 | $37K | 8.16% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP, INC | 325 CHESTNUT ST PHILADELPHIA, PA 19106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 16.84% |
| BENEFIT STRATEGIES CONSULTING INC3 | 122 EBELHARE RD SUITE B3 POTTSTOWN, PA 19465 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.84% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $651 | $651 | 2.23% |
| BENEFIT STRATEGIES AGENCY, LLC3 Filed as: BENEFIT STRATEGIES INC | 122 EBELHARE ROAD, SUITE B3 POTTSTOWN, PA 19465 | DELTA DENTAL OF PENNSYLVANIA | $896 | $0 | $896 | 10.01% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP, INC | 325 CHESTNUT ST PHILADELPHIA, PA 19106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $824 | $532 | $1K | 16.39% |
| BENEFIT STRATEGIES CONSULTING INC3 | 122 EBELHARE RD SUITE B3 POTTSTOWN, PA 19465 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $417 | $0 | $417 | 5.04% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $177 | $177 | 2.14% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP, INC | 325 CHESTNUT ST PHILADELPHIA, PA 19106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $653 | $406 | $1K | 15.83% |
| BENEFIT STRATEGIES CONSULTING INC3 Filed as: BENEFIT STRATEGIES CONSULTING INC. | 122 EBELHARE RD. SUITE B3 POTTSTOWN, PA 19465 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $351 | $0 | $351 | 5.25% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $135 | $135 | 2.02% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFIT GROUP | 325 CHESTNUT ST PHILADELPHIA, PA 19106 | EYEMED | $692 | $0 | $692 | 11.19% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 84 | $457K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 36 | $9K |
| Vision | EYEMED | 73 | $6K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $8K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 24 | $7K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 84 | $457K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.