| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FOLEY INSURANCE AGENCY, INC. Filed as: THE FOLEY AGENCY | 8 SPRING HOUSE INNOVATION PARK LOWER GWYNEDD, PA 19002 | SYMETRA LIFE INSURANCE CO | $46K | — | $46K | 10.00% |
| THE FOLEY INSURANCE AGENCY, INC. Filed as: FOLEY INSURANCE AGENCY | 1200 WELSH ROAD, SUITE 220 NORTH WALES, PA 194543794 | AETNA LIFE INSURANCE CO | $33K | — | $33K | 9.72% |
| EMERSON REID LLC | 350 FIFTH AVE., SUITE 3700 NEW YORK, NY 10118 | AETNA LIFE INSURANCE CO | $13K | — | $13K | 3.89% |
| THE FOLEY INSURANCE AGENCY, INC. Filed as: THE FOLEY AGENCY | 8 SPRING HOUSE INNOVATION PARK LOWER GWYNEDD, PA 19002 | VISION SERVICE PLAN | $2K | — | $2K | 3.83% |
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 | 523 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO | 1,092 | $339K |
| Vision | VISION SERVICE PLAN | 455 | $47K |
| Life insurance | SYMETRA LIFE INSURANCE CO | 523 | $464K |
| Short-term disability | SYMETRA LIFE INSURANCE CO | 523 | $464K |
| Long-term disability | SYMETRA LIFE INSURANCE CO | 523 | $464K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,092 | — |
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.