| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSRUANCE BROKERAGE, INC | 100 W MATSONFORD RD, STE 2-110 RADNOR, PA 19087 | DELTA DENTAL OF DELAWARE | $5K | $0 | $5K | 10.00% |
| FAIRMOUNT BENEFITS INC3 Filed as: FAIRMOUNT BENEFITS INC. | 2 RADNOR CORPORATE CENTER STE 110 RANDOR, PA 19087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 15.76% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL ST, 4TH FLOOR BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $483 | $483 | 1.55% |
| FAIRMOUNT BENEFITS INC3 Filed as: FAIRMOUNT BENEFITS | 2 RADNOR CORPORATE CTR, STE 110 RADNOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 100 W MATSONFORD RS, STE 2-110 RADNOR, PA 19087 | VISION SERVICE PLAN | $1K | $0 | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $79K |
| MERITAIN HEALTH EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $43K |
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 | 142 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF DELAWARE | 152 | $50K |
| Vision | VISION SERVICE PLAN | 91 | $13K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 142 | $57K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $57K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $31K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 86 | $433K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 142 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.