| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICK PLACEMENT SERVICES, INC.3 | ROUND TABLE STUDIOS BERKELEY HEIGHTS, NJ 07922 | INDEPENDENCE BLUE CROSS | $9K | $0 | $9K | 1.80% |
| RICK PLACEMENT SERVICES, INC.3 | ROUND TABLE STUDIOS BERKELEY HEIGHTS, NJ 07922 | KEYSTONE HEALTH PLAN | $34K | $0 | $34K | 7.72% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUPS, INC. | 325 CHESTNUT STREET, SUITE 1000 PHILADELPHIA, PA 19106 | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 10.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS, INC. | 325 CHESTNUT STREET, SUITE 1000 PHILADELPHIA, PA 19106 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $762 | $2K | 14.73% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 200 CONNELL DRIVE, SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $967 | $967 | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $339 | $339 | 2.10% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 58 | $938K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 89 | $35K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 58 | $938K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $16K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 58 | $938K |
| Other(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 167 | $954K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.