| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVANS PANCOAST3 | 237 W. LANCASTER AVENUE, STE 251 DEVON, PA 19333 | UNITED HEALTHCARE INSURANCE COMPANY | $81K | $821 | $81K | 6.75% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.37% |
| EVANS PANCOAST3 | 432 HEATHERWOOD LANE DEVAN, PA 19333 | GUARDIAN | $11K | $2K | $13K | 10.71% |
| AMERIHEALTH ADMINISTRATORS INC3 Filed as: AMERIHEALTH ADMINISTRATORS, INC. | P.O. BOX 21545 EAGAN, MN 55121 | GUARDIAN | $1K | — | $1K | 0.87% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 222 | $1.2M |
| Dental | GUARDIAN | 232 | $124K |
| Vision | GUARDIAN | 232 | $124K |
| Life insurance | GUARDIAN | 232 | $124K |
| Short-term disability | GUARDIAN | 232 | $124K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 222 | $1.2M |
| Other | GUARDIAN | 232 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.