| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED INSURANCE CONCEPTS INC3 Filed as: ADVANCED INSURANCE CONCEPTS, INC. | THE CURTIS CENTER 601 WALNUT STREET #805 PHILADELPHIA, PA 19106 | KEYSTONE HEALTH PLAN EAST | $60K | — | $60K | 5.57% |
| BOEN & ASSOCIATES INC3 Filed as: BOEN & ASSOCIATES | 307 W 41ST ST SIOUX FALLS, SD 57109 | DAKOTACARE | $7K | — | $7K | 2.32% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT CONCEPTS LLC | 413 MARLTON PIKE EAST SUITE 300 CHERRY HILL, NJ 08034 | GUARDIAN LIFE INSURANCE COMPANY | $12K | $3K | $15K | 6.88% |
| LITTLE MICHAELS & KENNEDY INC3 Filed as: LITTLE, MICHAELS & KENNEDY, INC. | 950 PENNSYLVANIA BLVD FEASTERVILLE, PA 190537816 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5K | — | $5K | 5.00% |
| ADVANCED INSURANCE CONCEPTS INC3 | THE CURTIS CENTER 601 WALNUT STREET #805 PHILADELPHIA, PA 19106 | QCC INSURANCE CO | $2K | — | $2K | 4.83% |
| LITTLE MICHAELS & KENNEDY INC3 Filed as: LITTLE MICHAELS & KENNEDY, INC. | 950 PENNSYLVANIA BLVD FEASTERVILLE, PA 190537816 | BLUE CROSS BLUE SHIELD OF FLORIDA | $1K | — | $1K | 5.00% |
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 | 325 | 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) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KEYSTONE HEALTH PLAN EAST | 177 | $1.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 325 | $219K |
| Vision | QCC INSURANCE CO | 10 | $42K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 325 | $219K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 325 | $219K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 325 | $219K |
| Prescription drug | QCC INSURANCE CO | 10 | $42K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 325 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.