| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT SPECIALIST INC3 Filed as: EMPLOYEE BENEFIT SPECIALIST | 53 DARBY ROAD PAOLI, PA 19301 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $147K | — | $147K | 4.77% |
| EMPLOYEE BENEFIT SPECIALIST INC3 Filed as: EMPLOYEE BENEFIT SPECIALIST | PO BOX 846 PAOLI, PA 19301 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $52K | — | $52K | 20.27% |
| EMPLOYEE BENEFIT SPECIALIST INC3 | 53 DARBY ROAD PAOLI, PA 19301 | VISION BENEFITS OF AMERICA | $2K | — | $2K | 3.50% |
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 | 627 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 1,189 | $254K |
| Vision | VISION BENEFITS OF AMERICA | 653 | $48K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 1,189 | $254K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 1,189 | $254K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 1,189 | $254K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 521 | $767K |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 1,189 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,189 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.