| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MEGRO CORPORATION3 Filed as: MEGRO CORPORATION | ONE WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | INDEPENDENCE ADMINISTRATORS | $62K | — | $62K | 0.65% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | KEYSTONE HEALTH PLAN EAST | $17K | — | $17K | 2.68% |
| THE MEGRO CORPORATION3 Filed as: MEGRO CORPORATION | ONE WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $3K | $22K | 5.30% |
| THE MEGRO CORPORATION3 | ONE WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $2K | — | $2K | 2.77% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS | 102 LIBERTY AVENUE ATLANTIC CITY, NJ 08401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 38.36% |
| THE MEGRO CORPORATION3 Filed as: MEGRO CORPORATION | ONE WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $287 | $6K | 6.86% |
| THE MEGRO CORPORATION3 Filed as: MEGRO CORPORATION | ONE WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $332 | $3K | 6.75% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | AMERIHEALTH HMO, INC. | $166 | — | $166 | 0.59% |
| THE MEGRO CORPORATION3 | ONE WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | TRANSAMERICA LIFE INSURANCE CO | $632 | — | $632 | 20.06% |
| BUSINESS SOLVER.COM, INC.3 | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | TRANSAMERICA LIFE INSURANCE CO | $378 | — | $378 | 12.00% |
| OPTIBEN LLC3 Filed as: OPTIBEN, LLC | 377 HIGHWAY 21, SUITE 100 MADISONVILLE, LA 70447 | TRANSAMERICA LIFE INSURANCE CO | $61 | — | $61 | 1.94% |
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 | 1,415 | 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) | 1,415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE ADMINISTRATORS | 1,111 | $10.2M |
| Vision | VISION SERVICE PLAN | 1,140 | $87K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,415 | $538K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 587 | $85K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,415 | $412K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,415 | $415K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,415 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.