| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLEXIBLE BENEFITS PLANS INC3 Filed as: FLEXIBLE BENEFITS PLANS, INC. | 1288 VALLEY FORGE ROAD BUILDING 57 VALLEY FORGE, PA 19482 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $7K | $0 | $7K | 6.69% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN AVE #200 BERWYN, PA 19312 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $3K | $0 | $3K | 2.40% |
| FIRST BUCKS LLC T/A GANT MYERS3 | 60 BLACKSMITH ROAD NEWTOWN, PA 18940 | UNUM LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.83% |
| FIRST BUCKS LLC3 | 60 BLACKSMITH ROAD NEWTOWN, PA 18940 | UNION SECURITY INSURANCE COMPANY | $3K | $0 | $3K | 13.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE ADMINISTRATORS EIN 23-2184623 ADMIN | Claims processing Service code 12 | — | $57K |
| TRINITY BENEFIT ADVISORS BROKER | Insurance agents and brokers Service code 22 | 660 AMERICAN AVE. SUITE 101 KING OF PRUSSIA, PA 19406 | $43K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $17K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $6K |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 263 | $105K |
| Vision | UNION SECURITY INSURANCE COMPANY | 46 | $22K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 118 | $50K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 118 | $50K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 0 | $384K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 118 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.