| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVANS PANCOAST3 | 237 W. LANCASTER AVENUE SUITE 251 DEVON, PA 19333 | AETNA LIFE INSURANCE COMPANY | $30K | $249K | $278K | 4.94% |
| EVANS PANCOAST3 | 237 W. LANCASTER AVENUE SUITE 251 DEVON, PA 19333 | HARTFORD LIFE AND ACCIDENT | $13K | $2K | $15K | 3.63% |
| EVANS PANCOAST3 | 237 W LANCASTER AVENUE, STE 251 DEVON, PA 19333 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $11K | — | $11K | 7.99% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $11K | — | $11K | 7.99% |
| FLEXIBLE BENEFITS PLANS INC3 | 1288 VALLEY FORGE ROAD BLDG 57 VALLEY FORGE, PA 19482 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 1.99% |
| EVANS PANCOAST3 | 237 W LANCASTER AVENUE, STE 251 DEVON, PA 19333 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 12.62% |
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 | 835 | 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) | 836 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 980 | $5.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 980 | $5.6M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 784 | $73K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 835 | $405K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 835 | $405K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 835 | $405K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 980 | $5.6M |
| Other | HARTFORD LIFE AND ACCIDENT | 835 | $405K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 980 | — |
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."
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.