| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY | $2K | $882 | $3K | 18.91% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY | $1K | $892 | $2K | 13.03% |
| FANELLI-HARLEY-HARPER & ASSOCIATES3 | 42 LANCASTER AVE # 101 PAOLI, PA 19301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $3K | $20K | 115.37% |
| FANELLI-HARLEY-HARPER & ASSOCIATES3 Filed as: FANELLI HARLEY HARPER ASC | 42 E LANCASTER AVE #101 PAOLI, PA 19301 | AMERICAN FIDELITY ASSURANCE COMPANY | $12K | $1K | $13K | 109.72% |
| BROKERAGE MARKETING SERVICES3 | 3214 LITTLE RD PERKIOMENILLE, PA 18074 | AMERICAN FIDELITY ASSURANCE COMPANY | $12K | $168 | $12K | 101.44% |
| FANELLI-HARLEY-HARPER & ASSOCIATES3 | 42 LANCASTER AVE PAOLI, PA 19301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $1K | $11K | 112.34% |
| ENROLLEASE3 Filed as: ONE DIGITAL KING OF PRUSSIA, PA | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | EYEMED | $3K | $343 | $4K | 110.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIGITAL INSURANCE, LLC BROKER | Insurance agents and brokers Service code 22 | 660 AMERICAN AVE SUITE 101 KING OF PRUSSIA, PA 19406 | $22K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $13K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $3K |
| INDEPENDENCE ADMINISTRATORS EIN 23-2184623 ADMIN | Claims processing Service code 12 | — | $1K |
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 | 44 | 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) | 44 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 44 | $18K |
| Vision | EYEMED | 44 | $3K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 44 | $17K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 44 | $12K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 44 | $10K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 44 | $162K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 44 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 44 | — |
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.