| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY | 402 STATE AVENUE EMMAUS, PA 18049 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $65K | — | $65K | 3.12% |
| NICHOLAS ROY MAXWELL3 | 1275 GLENLIVET DRIVE, SUITE 340 ALLENTOWN, PA 18106 | HIGHMARK INC. | $7K | — | $7K | 6.99% |
| THE EQUINOX AGENCY LLC3 Filed as: EQUINOX AGENCY LLC | 402 STATE AVE. EMMAUS, PA 18049 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.37% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.70% |
| THE EQUINOX AGENCY LLC3 Filed as: EQUINOX AGENCY LLC | 402 STATE AVE. EMMAUS, PA 18049 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.58% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 6.68% |
| THE EQUINOX AGENCY LLC3 Filed as: EQUINOX AGENCY LLC | 402 STATE AVE. EMMAUS, PA 18049 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $906 | — | $906 | 6.79% |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 323 | $2.1M |
| Dental | HIGHMARK INC. | 168 | $102K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 323 | $2.1M |
| Life insurance | STANDARD INSURANCE COMPANY | 174 | $23K |
| Short-term disability | STANDARD INSURANCE COMPANY | 105 | $22K |
| Long-term disability | STANDARD INSURANCE COMPANY | 33 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.