| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA, INC. | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19420 | GUARDIAN | $12K | $4K | $16K | 15.71% |
| AMERIHEATH ADMINISTRATORS, INC3 | — | GUARDIAN | $2K | $0 | $2K | 2.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITED CONCORDIA INSURANCE COMPANY | $6K | $0 | $6K | 11.11% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 669 RIVER DRIVE CENTER II, SUITE 30 ELMWOOD PARK, NJ 07407 | UNITED CONCORDIA INSURANCE COMPANY | $1K | $0 | $1K | 2.61% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE | THE CURTIS CENTER PHILADELPHIA, PA 19106 | AHPA HMO | $980 | $0 | $980 | 3.18% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AHPA HMO | 2 | $31K |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 118 | $156K |
| Vision | INDEPENDENCE BLUE CROSS | 0 | $0 |
| Life insurance | GUARDIAN | 118 | $101K |
| Short-term disability | GUARDIAN | 118 | $101K |
| Long-term disability | GUARDIAN | 118 | $101K |
| Other | GUARDIAN | 118 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.