| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 1787 SENTRY PKWY VEVA 16, SUITE 320 BLUE BELL, PA 19422 | SUN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 5.00% |
| LEVY BENEFITS ADVISORS LLC3 Filed as: LEVY BENEFITS ADVISORS, LLC | 1818 MARKET STREET SUITE 3232 PHILADELPHIA, PA 19103 | SUN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 3.46% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | SUN LIFE INSURANCE COMPANY OF AMERICA | $447 | — | $447 | 0.17% |
| HEALTHNOW ADMINISTRATIVE SERVICES3 | PO BOX 80 BUFFALO, NY 14240 | GERBER | — | $43K | $43K | 16.73% |
| LEVY BENEFITS ADVISORS LLC3 Filed as: LEVY BENEFITS ADVISORS, LLC | 1818 MARKET STREET SUITE 3232 PHILADELPHIA, PA 19103 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 12.01% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16, SUITE 320 BLUE BELL, PA 19422 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 5.00% |
| ALPHA BENEFITS GROUP INC3 | 125 EAST ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $9K | 10.25% |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GERBER | 137 | $257K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $85K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE INSURANCE COMPANY OF AMERICA | 185 | $378K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE INSURANCE COMPANY OF AMERICA | 185 | $378K |
| Prescription drug | GERBER | 137 | $257K |
| Stop-loss / reinsurancereinsurance | GERBER | 137 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.