| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA | 125 E. ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | HIGHMARK INC. | $40K | $0 | $40K | 2.82% |
| EDWARD C SCHMITT3 | 529 GARY DR DALLASTOWN, PA 17313 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 9.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 E ELM ST, #210 CONSHOHOCKEN, PA 19428 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 4.32% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 4.00% |
| EDWARD C SCHMITT3 | 529 GARY DR DALLASTOWN, PA 17313 | PRINCIPAL LIFE INSURANCE COMPANY | $703 | $0 | $703 | 3.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SRVCS | 125 E ELM ST, STE 210 CONSHOHOCKEN, PA 19428 | PRINCIPAL LIFE INSURANCE COMPANY | $678 | $0 | $678 | 3.73% |
| EDWARD C SCHMITT3 | 529 GARY DR DALLASTOWN, PA 17313 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 39.31% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 17313 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 36.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 ELM ST, #210 CONSHOHOCKEN, PA 19428 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 24.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PCI (PA CHAMBER INSURANCE) EIN 25-1785473 BROKER | Insurance agents and brokers Service code 22 | — | $2K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $2K |
| CAPITAL BLUECROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $1K |
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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 169 | $1.4M |
| Dental | HIGHMARK INC. | 169 | $1.4M |
| Vision | HIGHMARK INC. | 169 | $1.4M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 101 | $18K |
| Short-term disability | STANDARD INSURANCE COMPANY | 61 | $5K |
| Long-term disability | STANDARD INSURANCE COMPANY | 54 | $29K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 0 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
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.