| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE REINARD AGENCY3 | 349 BUSTLETON PIKE FEASTERVILLE, PA 19053 | GUARDIAN LIFE INSURANCE COMPANY | $10K | $35K | $45K | 4.74% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONEINSURANCE & FINANCIAL SV | 12406 PARK CENTRAL DRIVE DALLAS, TN 75251 | GUARDIAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.41% |
| LITTLE MICHAELS & KENNEDY INC3 | 349 BUSTLETON PIKE TREVOSE, PA 19053 | UNITEDHEALTHCARE INSURANCE CO | $4K | $32K | $36K | 4.54% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERVICE | FOUR TOWER BRIDGE 200 BARR HARBOR DR STE 400 CONSHOHOCKEN, PA 19420 | UNITEDHEALTHCARE INSURANCE CO | $16K | — | $16K | 2.08% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES, LLC | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 17.09% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $6K | 17.09% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES, LLC | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 17.17% |
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 | 243 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 338 | $1.7M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 338 | $951K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 338 | $951K |
| Life insurance | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 230 | $18K |
| Short-term disability | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 230 | $35K |
| Long-term disability(2 contracts) | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 230 | $62K |
| Other | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 230 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.
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.