| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY INC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 4.71% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $11K | $11K | 1.92% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY INC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 9.08% |
| GCG FINANCIAL LLC3 Filed as: SIMKISS&BLOCK, AN ALERA GRP AGENCY | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | ASSURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 48.11% |
| GCG FINANCIAL LLC3 Filed as: SIMKISS&BLOCK, AN ALERA GRP AGENCY | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | ASSURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 45.19% |
| GCG FINANCIAL LLC3 Filed as: SIMKISS&BLOCK, AN ALERA GRP AGENCY | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 49.73% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | NEW BENEFITS | $876 | — | $876 | 19.85% |
| GCG FINANCIAL LLC3 Filed as: SIMKISS&BLOCK, AN ALERA GRP AGENCY | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | ASSURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 43.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HAYNES BENEFITS PC EIN 27-0075283 NONE | Legal Service code 29 | 1650 NE GRAND SUITE 201 LEES SUMMIT, MO 64086 | $15K |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 104 | $590K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 207 | $32K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 207 | $32K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 207 | $32K |
| Short-term disability(4 contracts) | ASSURITY LIFE INSURANCE COMPANY | 20 | $22K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 104 | $590K |
| Other(6 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 207 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.