| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL.COM/CENTERSTONE | THE CURTIS CENTER 601 WALNUT STREET #805 PHILADELPHIA, PA 19106 | KEYSTONE HEALTH PLAN EAST | $65K | — | $65K | 5.51% |
| BOEN & ASSOCIATES INC3 | 307 W 41ST ST SIOUX FALLS, SD 57105 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 2.72% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT CONCEPTS LLC | 413 MARLTON PIKE EAST SUITE 300 CHERRY HILL, NJ 08034 | GUARDIAN LIFE INSURANCE COMPANY | $19K | $10K | $28K | 10.37% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE AND FINANCIAL | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | BLUE CROSS BLUE SHIELD OF FLORIDA | $6K | — | $6K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL.COM/CENTERSTONE | THE CURTIS CENTER 601 WALNUT STREET #805 PHILADELPHIA, PA 19106 | QCC INSURANCE CO | $4K | — | $4K | 5.68% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE & FINANCIAL336 | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | BLUE CROSS BLUE SHIELD OF FLORIDA | $336 | — | $336 | 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 | 341 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | KEYSTONE HEALTH PLAN EAST | 181 | $1.8M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 341 | $274K |
| Vision | QCC INSURANCE CO | 9 | $68K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 341 | $274K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 341 | $274K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 341 | $274K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 15 | $192K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 341 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.