| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPHA BENEFITS GROUP INC3 | 1258 E ELM ST SUITE 201 CONSHOHOCKEN, PA 19428 | TRANSAMERICA LIFE INSURANCE COMPANY | $42K | $0 | $42K | 64.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA, INC. | 2005 MARKET STREET, SUITE 3510 PHILADELPHIA, PA 19103 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $5K | $0 | $5K | 9.00% |
| ALPHA BENEFITS GROUP INC3 | 450 SOUTH GRAVERS ROAD PLYMOUTH MEETING, PA 19462 | UNION SECURITY INSURANCE COMPANY | $15K | $0 | $15K | 43.54% |
| THE ABACUS GROUP LLC3 | 2541 LAFAYETTE PLAZA DRIVE ALBANY, GA 31707 | UNION SECURITY INSURANCE COMPANY | $5K | $0 | $5K | 14.37% |
| ADMINISTRATIVE SERVICES, INC.5 | 111 QUEEN ANNE AVE. NORTH SUITE 200 SEATTLE, WA 981094955 | UNION SECURITY INSURANCE COMPANY | $0 | $1K | $1K | 4.30% |
| DISABILITY RMS3 Filed as: DISABILITY RMS, INC. | ONE RIVERFRONT PLAZA WESTBROOK, ME 040929800 | UNION SECURITY INSURANCE COMPANY | $0 | $1K | $1K | 3.70% |
| WILLIS TOWERS WATSON US LLC5 Filed as: TOWERS PERRIN FORSTER & CROSBY, INC | MELLON BANK CENTER 1735 MARKET STREET PHILADEPHIA, PA 191037501 | UNION SECURITY INSURANCE COMPANY | $0 | $504 | $504 | 1.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL BLUE CROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $130K |
| BROWN & BROWN OF PA, INC. BROKER | Insurance agents and brokers Service code 22 | 125 E ELM ST SUITE 210 CONSHOHOCKEN, PA 19428 | $29K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $19K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $7K |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 88 | $57K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 88 | $57K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 178 | $65K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 94 | $34K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 128 | $224K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 178 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.