| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT SPECIALIST INC3 | 53 DARBY ROAD PO BOX 846 PAOLI, PA 19301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $2K | $22K | 18.80% |
| EMPLOYEE BENEFIT SPECIALIST INC3 | 53 DARBY ROAD PO BOX 846 PAOLI, PA 19301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.90% |
| EMPLOYEE BENEFIT SPECIALIST INC3 | 53 DARBY ROAD PO BOX 846 PAOLI, PA 19301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $2K | $15K | 18.05% |
| EMPLOYEE BENEFIT SPECIALIST INC3 | 53 DARBY ROAD PO BOX 846 PAOLI, PA 19301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $824 | $5K | 11.17% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES INC | 448 MURRY HILL CIR LANCASTER, PA 17601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $220 | $1K | 3.06% |
| EMPLOYEE BENEFIT SPECIALIST INC3 | 53 DARBY ROAD PO BOX 846 PAOLI, PA 19301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 60.00% |
| EMPLOYEE BENEFIT SPECIALIST INC3 | 53 DARBY ROAD PO BOX 846 PAOLI, PA 19301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $799 | $5K | 14.11% |
| EMPLOYEE BENEFIT SPECIALIST INC3 | 53 DARBY ROAD PO BOX 846 PAOLI, PA 19301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $625 | $4K | 11.39% |
| EMPLOYEE BENEFIT SPECIALIST INC3 | 53 DARBY ROAD PO BOX 846 PAOLI, PA 19301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $512 | $3K | 12.83% |
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 | 588 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $34K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 799 | $151K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 357 | $142K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 467 | $85K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 543 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 799 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.