| 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 | $26K | — | $26K | 4.44% |
| THE MEGRO CORPORATION3 | ONE WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $4K | — | $4K | 4.61% |
| THE MEGRO CORPORATION3 Filed as: MEGRO CORPORATION | ONE WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.70% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS | 102 LIBERTY AVE ATLANTIC CITY, NJ 08401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.85% |
| THE MEGRO CORPORATION3 Filed as: MEGRO CORPORATION | ONE WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $72 | $1K | 2.57% |
| FAIRMOUNT BENEFITS INC3 Filed as: FAIRMOUNT BENEFITS INC. | 2 RADNOR CORPORATE CENTER STE 110 RADNOR, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $778 | — | $778 | 1.48% |
| JAY E. BLACK3 Filed as: JAY E BLACK | 1400 MIDHURST CT BELAIR, MD 21014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $469 | — | $469 | 0.89% |
| SONIA A VIDAL-AWBREY3 | 2665 PROSPERITY AVE, APT 113 FAIRFAX, VA 22031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $350 | — | $350 | 0.67% |
| ANN MARIE BENT3 | 7551 ORCHARD HAMMOCK DRIVE WEST PALM BEACH, FL 33412 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $349 | — | $349 | 0.66% |
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 | 1,461 | 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) | 1,461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 1,129 | $272K |
| Vision | VISION SERVICE PLAN | 1,123 | $96K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,461 | $708K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 203 | $53K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,461 | $588K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,461 | $588K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,461 | — |
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.