| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ELITE GROUP LLC3 Filed as: THE ELITE GROUP, LLC | 5 GREAT VALLEY PARKWAY SUITE 355 MALVERN, PA 19355 | KEYSTONE | $72K | — | $72K | 3.60% |
| THE ELITE GROUP LLC3 Filed as: THE ELITE GROUP, LLC | 5 GREAT VALLEY PARKWAY SUITE 355 MALVERN, PA 19355 | INDEPENDENCE BLUE CROSS | $54K | — | $54K | 3.58% |
| THE ELITE GROUP LLC3 | 5 GREAT VALLEY PARKWAY SUITE 355 MALVERN, PA 19355 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 10.27% |
| THE ELITE GROUP LLC3 | 5 GREAT VALLEY PARKWAY SUITE 355 MALVERN, PA 19355 | INDEPENDENCE BLUE CROSS | $7K | — | $7K | 3.55% |
| THE ELITE GROUP LLC3 | 5 GREAT VALLEY PARKWAY SUITE 335 MALVERN, PW 19355 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 15.70% |
| THE ELITE GROUP LLC3 Filed as: THE ELITE GROUP, LLC | 5 GREAT VALLEY PARKWAY SUITE 335 MALVERN, PA 19355 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.58% |
| THE ELITE GROUP LLC3 Filed as: THE ELITE GROUP, LLC | 5 GREAT VALLEY PARKWAY SUITE 355 MALVERN, PA 19335 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 19.60% |
| THE ELITE GROUP LLC3 | 5 GREAT VALLEY PARKWAY SUITE 335 MALVERN, PA 19355 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.00% |
| THE ELITE GROUP LLC3 Filed as: THE ELITE GROUP, LLC | 5 GREAT VALLEY PARKWAY SUITE 355 MALVERN, PA 19355 | INDEPENDENCE BLUE CROSS | $282 | — | $282 | 3.60% |
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 | 469 | 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) | 470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE | 306 | $3.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 349 | $218K |
| Vision | INDEPENDENCE BLUE CROSS | 306 | $8K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 467 | $60K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 227 | $145K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 227 | $145K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 181 | $204K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 467 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.