| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK, | AN ALERA GROUP AGENCY 1041 OLD CASSATT RD BERWYN, PA 193121152 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | — | $33K | 4.70% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC NJ NY | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $12K | $12K | 1.79% |
| ASSUREDPARTNERS3 Filed as: SIMKISS AGCY INC | 1041 OLD CASSATT RD BERWYN, PA 193121152 | UNITEDHEALTHCARE INSURANCE COMPANY | -$28 | — | -$28 | -0.00% |
| ASSUREDPARTNERS3 Filed as: SIMKISS AGCY INC | 1041 OLD CASSATT RD BERWYN, PA 193121152 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 8.57% |
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK, | AN ALERA GROUP AGENCY, LLC 1041 OLD CASSATT RD BERWYN, PA 19312 | ASSURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 54.01% |
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK, | AN ALERA GROUP AGENCY, LLC 1041 OLD CASSATT RD BERWYN, PA 19312 | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 30.75% |
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK, | AN ALERA GROUP AGENCY, LLC 1041 OLD CASSATT RD BERWYN, PA 19312 | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 39.05% |
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK | AN ALERA GROUP AGENCY, LLC 1041 OLD CASSATT RD BERWYN, PA 19312 | ASSURITY LIFE INSURANCE COMPANY | $381 | — | $381 | 32.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HAYNES BENEFITS PC EIN 27-0075283 NONE | Legal Service code 29 | 2600 GRAND BLVD. SUITE 410 KANSAS CITY, MO 64108 | $26K |
| NEW BENEFITS EIN 75-2343577 NONE | Contract Administrator Service code 13 | — | $3K |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 144 | $712K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 211 | $41K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 211 | $41K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 211 | $41K |
| Short-term disability(4 contracts) | ASSURITY LIFE INSURANCE COMPANY | 63 | $19K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 144 | $694K |
| Other(5 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 211 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.