| 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 | $33K | — | $33K | 3.95% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 2 RADNOR CORPORATE CENTER SUITE 110 RADNOR, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $174 | $6K | 0.68% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS | 102 LIBERTY AVENUE ATLANTIC CITY, NJ 08401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 0.44% |
| CHARLES D. BLOCK3 Filed as: CHARLES BLOCK | 648 VILLAGE PARK DRIVE UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $124 | $2K | 0.25% |
| JAMES H. VAN EPPS3 Filed as: JAMES H VAN EPPS | 10930 CRABAPPLE ROAD SUITE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $124 | $2K | 0.25% |
| JAY E. BLACK3 Filed as: JAY E BLACK | 1400 MIDHURST CT BEL AIR, MD 21014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $922 | — | $922 | 0.11% |
| ANN MARIE BENT3 | 7551 ORCHID HAMMOCK DRIVE WEST PALM BEACH, FL 33412 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $692 | — | $692 | 0.08% |
| SONIA A VIDAL-AWBREY3 Filed as: SONIA VIDAL-AWBERY | 2665 PROSPERITY AVENUE APT. 113 FAIRFAX, VA 22031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $692 | — | $692 | 0.08% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 100 W MATSONFORD ROAD SUITE 2-110 RADNOR, PA 19087 | VISION SERVICE PLAN | $3K | — | $3K | 3.00% |
| FAIRMOUNT BENEFITS INC3 | 100 MATSONFORD ROAD RADNOR, PA 19087 | VISION SERVICE PLAN | $523 | — | $523 | 0.50% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 2 RADNOR CORPORATE CENTER SUITE 110 RADNOR, PA 19087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $302 | $10K | 9.90% |
| JAY E. BLACK3 Filed as: JAY E BLACK | 1400 MODHURST CT BEL AIR, MD 21014 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 5.48% |
| ANN MARIE BENT3 | 7551 ORCHID HAMMOCK DRIVE WEST PALM BEACH, FL 33412 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 4.11% |
| SONIA A VIDAL-AWBREY3 | 2665 PROSPERITY AVENUE APT. 113 FAIRFAX, VA 22031 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 4.11% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS | 102 LIBERTY AVENUE ATLANTIC CITY, NJ 08401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $411 | — | $411 | 0.42% |
| THE MEGRO CORPORATION3 Filed as: MEGRO CORPORATION | 1 W 1ST AVENUE SUITE 305 CONSHOHOCKEN, PA 19428 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $376 | — | $376 | 0.38% |
| JAMES H. VAN EPPS3 Filed as: JAMES H VAN EPPS | 10930 CRABAPPLE ROAD SUITE 206 ROSWELL, GA 30075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $226 | $17 | $243 | 0.25% |
| CHARLES D. BLOCK3 Filed as: CHARLES D BLOCK | 648 VILLAGE PARK DRIVE UNIT 208 WILMINGTON, NC 28405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $226 | $17 | $243 | 0.25% |
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 | 1,595 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,604 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE ADMINISTRATORS | 1,234 | $0 |
| Vision | VISION SERVICE PLAN | 1,188 | $106K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,595 | $947K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,595 | $847K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,595 | $847K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,595 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.