| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT STRATEGIES AGENCY, LLC3 Filed as: BENEFIT STRATEGIES INC | 122 EBELHARE ROAD POTTSTOWN, PA 19465 | DELTA DENTAL OF PENNSYLVANIA | $7K | $0 | $7K | 10.00% |
| BENEFIT STRATEGIES AGENCY, LLC3 Filed as: BENEFIT STRATEGIES INC | 122 EBELHARE ROAD POTTSTOWN, PA 19465 | EYEMED VISION CARE | $1K | $0 | $1K | 9.99% |
| INSURANCE SOLUTIONS GROUP, INC.3 Filed as: INSURANCE SOLUTIONS | 619 AMBOY AVE 2ND FLOOR EDISON, NJ 08837 | HARTFORD LIFE AND ACCIDENT | $840 | $0 | $840 | 9.23% |
| BENEFIT STRATEGIES CONSULTING INC3 | 122 EBELHARE RD STE B3 POTTSTOWN, PA 19465 | HARTFORD LIFE AND ACCIDENT | $413 | $0 | $413 | 4.54% |
| SAVOY ASSOCIATES3 Filed as: DONDALD C SAVOY INC | 25 B HANOVER ROAD STE 220 FLORHAM PARK, NJ 07932 | HARTFORD LIFE AND ACCIDENT | $5 | $0 | $5 | 0.05% |
| BENEFIT STRATEGIES CONSULTING INC3 | 122 EBELHARE RD STE B-3 POTTSTOWN, PA 19465 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 13.73% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 201 | $71K |
| Vision | EYEMED VISION CARE | 161 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 114 | $8K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 114 | $9K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 114 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.