| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FAIRMOUNT BENEFITS INC3 | 100 MATSONFORD ROAD RADNOR, PA 19087 | VISION SERVICE PLAN | $3K | — | $3K | 0.26% |
| THE MEGRO CORPORATION3 Filed as: MEGRO CORPORATION | ONE WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 4.49% |
| THE MEGRO CORPORATION3 Filed as: MEGRO CORPORATION | ONE WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.00% |
| FAIRMOUNT BENEFITS INC3 Filed as: FAIRMOUNT BENEFITS INC. | 2 RADNOR CORPORATE CENTER STE 110 RADNOR, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $41 | $2K | 3.44% |
| JAY E. BLACK3 Filed as: JAY E BLACK | 1400 MIDHURST CT BELAIR, MD 21014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $945 | — | $945 | 2.01% |
| SONIA A VIDAL-AWBREY3 | 2665 PROSPERITY AVE, APT 113 FAIRFAX, VA 22031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $709 | — | $709 | 1.51% |
| ANN MARIE BENT3 | 7551 ORCHARD HAMMOCK DRIVE WEST PALM BEACH, FL 33412 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $709 | — | $709 | 1.51% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS | 102 LIBERTY AVE ATLANTIC CITY, NJ 08401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $699 | — | $699 | 1.49% |
| THE MEGRO CORPORATION3 Filed as: MEGRO CORPORATION | ONE WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $465 | $1 | $466 | 0.99% |
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 | 1,528 | 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) | 1,528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE ADMINISTRATORS | 1,164 | $0 |
| Vision | VISION SERVICE PLAN | 1,150 | $998K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,528 | $702K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $47K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,528 | $572K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,528 | $572K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,528 | — |
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.