| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 2020 CONSULTING3 Filed as: 2020 CONSULTING LLC | 45 PADDOCK WAY TRAPPE, PA 19426 | STANDARD INSURANCE COMPANY | $946 | $0 | $946 | 6.74% |
| BRIAN K TAYLOR3 Filed as: BRIAN TAYLOR | 45 PADDOCK WAY TRAPPE, PA 19426 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 15.33% |
| BRIAN K TAYLOR3 Filed as: BRIAN TAYLOR | 45 PADDOCK WAY COLLEGEVILLE, PA 19426 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $130 | $0 | $130 | 4.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $45K |
| 20/20 CONSULTING EIN 84-4275910 BROKER | Insurance agents and brokers Service code 22 | — | $16K |
| CAPITAL BLUECROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $3K |
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 | 38 | 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) | 38 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 30 | $14K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 39 | $3K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16 | $11K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16 | $11K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | CRUM & FORSTER | 38 | $233K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 39 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.