| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA, LP | 601 WALNUT ST STE 805 PHILADELPHIA, PA 19106 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 12.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA, LP | 170 S INDEPENDENCE MALL W APT 805 PHILADELPHIA, PA 191063393 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 15.07% |
| ALPHA BENEFITS GROUP INC3 | 125 E ELM ST SUITE 210 CONSHOHOCKEN, PA 194284159 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE ADMINISTRATORS EIN 23-2184623 ADMIN | Claims processing Service code 12 | — | $92K |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 209 | $64K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 209 | $64K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $50K |
| Stop-loss / reinsurancereinsurance | INDEPENDENCE ADMINISTRATORS | 163 | $501K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 209 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.