| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ELITE GROUP LLC3 | 5 GREAT VALLEY PARKWAY SUITE 335 MALVERN, PA 19355 | UNUM GROUP | $53K | — | $53K | 15.00% |
| INDEPENDENCE PLANNING GROUP3 Filed as: INDEPENDENCE UNDERWRITING PARTNERS | 101 E LANDCASTER AVENUE SUITE 301 WAYNE, PA 19085 | UNUM GROUP | $0 | $18K | $18K | 5.00% |
| THE ELITE GROUP LLC3 | 3809 W CHESTER PIKE STE 205 NEWTOWN SQUARE, PA 19073 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | — | $24K | 9.87% |
| THE ELITE GROUP LLC3 | 3809 W CHESTER PIKE STE 205 NEWTOWN SQUARE, PA 19073 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 15.07% |
| THE ELITE GROUP LLC3 Filed as: THE ELITE GROUP, LLC | 3809 W CHESTER PIKE STE 205 NEWTOWN SQUARE, PA 19073 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.24% |
| THE ELITE GROUP LLC3 | 3809 W CHESTER PIKE STE 205 NEWTOWN SQUARE, PA 19073 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.04% |
| THE ELITE GROUP LLC3 Filed as: THE ELITE GROUP, LLC | 3809 W CHESTER PIKE STE 205 NEWTOWN SQUARE, PA 19073 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 21.57% |
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 | 470 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 358 | $243K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 470 | $73K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 193 | $187K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 193 | $187K |
| Stop-loss / reinsurancereinsurance | UNUM GROUP | 359 | $355K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 470 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 470 | — |
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.