| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDUS LLC3 Filed as: ANDUS LLC DBA ANDUS HEALTH BENEFITS | 441 E HECTOR STREET 4TH FLOOR CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $0 | $10K | 6.87% |
| THE C 3 GROUP LLC3 | PO BOX 554 CLARKS SUMMIT, PA 18411 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 3.76% |
| ANDUS LLC3 | 345 ROBERTS AVE CONSHOHOCKEN, PA 19428 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $38K |
| HEALTHNOW ADMIN | Claims processing Service code 12 | 512 TOWNSHIP LINE ROAD ONE VALLEY QUARE, STE 110 BLUE BELL, PA 19422 | $27K |
| C3 GROUP, LLC EIN 90-0541653 BROKER | Insurance agents and brokers Service code 22 | — | $19K |
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 38-1082080 ADMIN | Claims processing Service code 12 | — | $16K |
| ANDUS LLC DBA ANDUS HEALTH BENEFITS BROKER | Insurance agents and brokers Service code 22 | 441 E HECTOR STREET 4TH FLOOR CONSHOHOCKEN, PA 19428 | $6K |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $152K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 113 | $22K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $152K |
| Stop-loss / reinsurancereinsurance | AVALON INSURANCE COMPANY | 94 | $191K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.