| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY | 402 STATE AVENUE EMMAUS, PA 18049 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $5K | — | $5K | 9.48% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF PENNSYLVANIA | 125 E. ELM STREET, SUITE 210 CONSHOHOCKEN, PA 19428 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $311 | — | $311 | 0.57% |
| THE EQUINOX AGENCY LLC3 | 402 STATE AVE. EMMAUS, PA 180493026 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.52% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY. W., BLDG. 16 STE. 320 BLUE BELL, PA 194222239 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $355 | $2K | 5.27% |
| BROWN & BROWN INSURANCE SERVICES3 | 3001 EMRICK BLVD., STE. 120 BETHLEHEM, PA 180208036 | METROPOLITAN LIFE INSURANCE COMPANY | $274 | $98 | $372 | 0.92% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF THE LEHIGH VALLEY | 3001 EMRICK BLVD., STE. 120 BETHLEHEM, PA 180208036 | METROPOLITAN LIFE INSURANCE COMPANY | $66 | $177 | $243 | 0.60% |
| BROWN & BROWN INSURANCE SERVICES3 | P.O. BOX 746570 ATLANTA, GA 303746570 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.19% |
| THE EQUINOX AGENCY LLC3 Filed as: EQUINOX BENEFITS | 402 STATE AVENUE EMMAUS, PA 18049 | MADISON NATIONAL LIFE INSURANCE COMPANY | $96 | — | $96 | 12.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $54 | $54 | 6.75% |
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 | 439 | 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) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 122 | $54K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 122 | $54K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 439 | $40K |
| Short-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 1 | $800 |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 439 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 439 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.