| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FAIRMOUNT BENEFITS INC3 | 2 RADNOR CORPORATE CTR, STE 110 RADNOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.37% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSRUANCE BROKERAGE, INC | 100 W MATSONFORD RD, STE 2-110 RADNOR, PA 19087 | DELTA DENTAL OF DELAWARE | $3K | $0 | $3K | 6.63% |
| FAIRMOUNT BENEFITS INC3 Filed as: FAIRMOUNT BENEFITS INC. | 2 RADNOR CORPORATE CENTER STAFFORD, PA 19087 | DELTA DENTAL OF DELAWARE | $2K | $0 | $2K | 3.37% |
| FAIRMOUNT BENEFITS INC3 | 2 RADNOR CORPORATE CTR, STE 110 RADNOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.36% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL ST, 4TH FLOOR BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 10.10% |
| FAIRMOUNT BENEFITS INC3 Filed as: FAIRMOUNT BENEFITS INC. | 2 RADNOR CORPORATE CENTER STE 110 RANDOR, PA 19087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 5.47% |
| FAIRMOUNT BENEFITS INC3 Filed as: FAIRMOUNT BENEFITS | 2 RADNOR CORPORATE CTR, STE 110 RADNOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $876 | $3K | 10.41% |
| 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 | 8.35% |
| FAIRMOUNT BENEFITS INC3 Filed as: FAIRMOUNT BENEFITS, INC. | 100 MATSONFORD RD RADNOR, PA 19087 | VISION SERVICE PLAN | $214 | $0 | $214 | 1.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $62K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $19K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $6K |
| HIGHMARK OF DELAWARE EIN 51-0020405 ADMIN | Claims processing Service code 12 | — | $100 |
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 | 98 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF DELAWARE | 150 | $48K |
| Vision | VISION SERVICE PLAN | 99 | $13K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 148 | $55K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $57K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $31K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 98 | $441K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 148 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.