| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNA LP | THE CURTIS CENTER 601 WALNUT STREET #805 PHILADELPHIA, PA 19106 | INDEPENDENCE BLUE CROSS-PERSONAL CHOICE | $46K | $2K | $48K | 5.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNA LP | THE CURTIS CENTER 601 WALNUT STREET #805 PHILADELPHIA, PA 19106 | INDEPENDENCE BLUE CROSS-KEYSTONE | $11K | $698 | $12K | 5.73% |
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS GROUP, INC. | 125 E. ELM ST, STE. 210 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 10.55% |
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS GROUP, INC. | 949 EASTON ROAD STE. 200 WARRINGTON, PA 18976 | GUARDIAN LIFE INSURANCE COMPANY | $2K | $1K | $3K | 15.35% |
| FINANCIAL BALANCE GROUP LLC3 Filed as: FINANCIAL BALANCE GROUP, LLC | 1901 RESEARCH BLVD. STE. 400 ROCKVILLE, MD 20850 | GUARDIAN LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNA LP | THE CURTIS CENTER 601 WALNUT STREET #805 PHILADELPHIA, PA 19106 | AMERIHEALTH INSURANCE COMPANY | $552 | $29 | $581 | 3.01% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS-PERSONAL CHOICE | 86 | $1.1M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 48 | $52K |
| Vision | INDEPENDENCE BLUE CROSS-PERSONAL CHOICE | 86 | $878K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $53K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $53K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $53K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.