| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY | 1275 GLENLIVET DRIVE ALLENTOWN, PA 18106 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $18K | — | $18K | 2.64% |
| ONE SOURCE BENEFIT SOLUTIONS, LLC3 Filed as: ONE SOURCE BENEFITS SOLUTIONS | 395 OAK HILL ROAD MOUNTAIN TOP, PA 18707 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $13K | — | $13K | 1.93% |
| ONE SOURCE BENEFIT SOLUTIONS, LLC3 Filed as: ONE SOURCE BENEFITS SOLUTIONS | 755 OAK HILL ROAD MOUNTAIN TOP, PA 18707 | GUARDIAN | $20K | $2K | $22K | 20.16% |
| ONE SOURCE BENEFIT SOLUTIONS, LLC3 Filed as: ONE SOURCE BENEFITS SOLUTIONS | 755 OAK HILL ROAD MOUNTAIN TOP, PA 18707 | UNITED CONCORDIA INSURANCE COMPANY | $3K | — | $3K | 6.46% |
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY | 402 STATE AVENUE EMMAUS, PA 18049 | UNITED CONCORDIA INSURANCE COMPANY | -$11 | — | -$11 | -0.03% |
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 | 109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 129 | $43K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 113 | $692K |
| Short-term disability | GUARDIAN | 101 | $111K |
| Long-term disability | GUARDIAN | 101 | $111K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 113 | $692K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.