| 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 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $4K | $26K | 5.07% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS | 102 LIBERTY AVENUE ATLANTIC CITY, NJ 08401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 13.20% |
| THE MEGRO CORPORATION3 Filed as: MEGRO CORPORATION | ONE WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $70 | $3K | 2.22% |
| THE MEGRO CORPORATION3 | ONE WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $2K | — | $2K | 2.27% |
| THE MEGRO CORPORATION3 Filed as: MEGRO CORPORATION | ONE WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $424 | $4K | 6.40% |
| BUSINESS SOLVER.COM, INC.3 | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | TRANSAMERICA LIFE INSURANCE CO | — | — | $0 | — |
| THE MEGRO CORPORATION3 | ONE WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | TRANSAMERICA LIFE INSURANCE CO | — | — | $0 | — |
| OPTIBEN LLC3 Filed as: OPTIBEN, LLC | 377 HIGHWAY 21, SUITE 100 MADISONVILLE, LA 70447 | TRANSAMERICA LIFE INSURANCE CO | — | — | $0 | — |
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 | 1,591 | 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) | 1,591 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE ADMINISTRATORS | 1,190 | $0 |
| Vision | VISION SERVICE PLAN | 1,212 | $91K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,591 | $688K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 185 | $113K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,591 | $515K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,591 | $515K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,591 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.