| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK, | AN ALERA GROUP AGENCY LLC 1041 OLD CASSATT RD BERWYN, PA 193121152 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 3.09% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC NJ NY | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 194222240 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $11K | $11K | 1.85% |
| ASSUREDPARTNERS3 Filed as: SIMKISS AGCY INC | 1041 OLD CASSATT RD BERWYN, PA 193121152 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 1.72% |
| ASSUREDPARTNERS3 Filed as: SIMKISS AGCY INC | 1041 OLD CASSATT RD BERWYN, PA 193121152 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 9.31% |
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK, | AN ALERA GROUP AGENCY, LLC 1041 OLD CASSATT RD BERWYN, PA 19312 | ASSURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 42.27% |
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK, | AN ALERA GROUP AGENCY, LLC 1041 OLD CASSATT RD BERWYN, PA 19312 | ASSURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 47.46% |
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK, | AN ALERA GROUP AGENCY, LLC 1041 OLD CASSATT RD BERWYN, PA 19312 | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 40.33% |
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK | AN ALERA GROUP AGENCY, LLC 1041 OLD CASSATT RD BERWYN, PA 19312 | ASSURITY LIFE INSURANCE COMPANY | $923 | — | $923 | 31.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HAYNES BENEFITS PC EIN 27-0075283 NONE | Legal Service code 29 | 1650 NE GRAND SUITE 201 LEES SUMMIT, MO 64086 | $4K |
| NEW BENEFITS EIN 75-2343577 NONE | Contract Administrator Service code 13 | — | $4K |
| ALERA GROUP NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | $998 |
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 | 218 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 102 | $615K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 216 | $30K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 216 | $30K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 216 | $30K |
| Short-term disability(4 contracts) | ASSURITY LIFE INSURANCE COMPANY | 52 | $21K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 102 | $594K |
| Other(5 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 216 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.