| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $187K | $7K | $194K | 6.58% |
| UNIVEST INSURANCE INC3 | PO BOX 391 LANSDALE, PA 19446 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 10.32% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARK WEST BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 6.19% |
| UNIVEST INSURANCE INC3 | PO BOX 391 LANSDALE, PA 19446 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 8.70% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $731 | $0 | $731 | 1.73% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 109 BELFIELD COURT HOCKESSIN, DE 19707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $616 | $0 | $616 | 1.45% |
| ARDENA L MCVICKER3 | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $435 | $155 | $590 | 1.39% |
| LANCE A BRADLEY3 | 2028 MOUNT VEMON CIRCLE HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $272 | $19 | $291 | 0.69% |
| BRENT L GOODE3 Filed as: BRENT MCVICKER | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $188 | $6 | $194 | 0.46% |
| BENECHOICE ENROLLMENT SOLUTIONS3 Filed as: BENECHOICE ENROLLMENT AND OTR AGENT | 1028 FREEDOM STREET LITITZ, PA 17543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | $20 | $194 | 0.46% |
| SUSAN GOLD STOKES3 Filed as: SUSAN GOLD STOKES AND OTHER AGENTS | 104 MISTY HOLLOW WAY HUNTSVILLE, AL 35806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.06% |
| EDWARD P DOUGHERTY INC3 | 4550 PRESTWICK DRIVE READING, PA 19606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $3 | $15 | 0.04% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 384 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 516 | $118K |
| Vision | INDEPENDENCE BLUE CROSS | 384 | $2.9M |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 22 | $42K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 22 | $42K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 384 | $2.9M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 22 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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.