| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE EQUINOX AGENCY LLC3 | 1275 GLENLIVET DRIVE SUITE 340 ALLENTOWN, PA 18106 | HIGHMARK INC. | $46K | — | $46K | 3.25% |
| THE EQUINOX AGENCY LLC3 | 402 STATE AVE EMMAUS, PA 180493026 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $56 | $3K | 3.85% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1800 STATE ROUTE 34 STE 404A BLDG 4 WALL, NJ 077199147 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $641 | $3K | 3.42% |
| THE EQUINOX AGENCY LLC3 Filed as: EQUINOX AGENCY LLC | 402 STATE AVE EMMAUS, PA 18049 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.29% |
| THE EQUINOX AGENCY LLC3 Filed as: EQUINOX AGENCY LLC | 402 STATE AVE EMMAUS, PA 18049 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.29% |
| THE EQUINOX AGENCY LLC3 Filed as: EQUINOX AGENCY LLC | 402 STATE AVE EMMAUS, PA 18049 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY | 402 STATE AVENUE EMMAUS, PA 18049 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $750 | — | $750 | 6.01% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 116 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $85K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 116 | $12K |
| Life insurance | STANDARD INSURANCE COMPANY | 137 | $15K |
| Short-term disability | STANDARD INSURANCE COMPANY | 79 | $16K |
| Long-term disability | STANDARD INSURANCE COMPANY | 31 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.