| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHNOW ADMINISTRATIVE SERVICES3 | P.O. BOX 80 BUFFALO, NY 14240 | GERBER | — | $42K | $42K | 18.52% |
| LEON MARTIN3 Filed as: LEON L LEVY & ASSOCIATES LLC | P.O. BOX 378 JENKINTOWN, PA 19046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $11K | 5.19% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 4.62% |
| ALPHA BENEFITS GROUP INC3 | 949 EASTON ROAD SUITE 200 WARRINGTON, PA 18976 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $5K | $9K | 10.06% |
| FINANCIAL BALANCE GROUP LLC3 | 1901 RESEARCH BLVD SUITE 400 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15 | — | $15 | 0.02% |
| LEON MARTIN3 Filed as: LEON L LEVY & ASSOCIATES INC | PO BOX 378 JENKINTOWN, PA 19046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $620 | $8K | 16.25% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 5.00% |
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 | 188 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GERBER | 188 | $227K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $88K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $267K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $218K |
| Prescription drug | GERBER | 188 | $227K |
| Stop-loss / reinsurancereinsurance | GERBER | 188 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.