| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC | 100 MATSONFORD RD STE 200 BLDG 5 RADNOR, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43K | $4K | $46K | 35.37% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE #4500 HUNT VALLEY, MD 21031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 19.16% |
| AP BENEFIT ADVISORS, LLC3 | 21 EAST FIFTH AVENUE STE 204 CONSHOHOCKEN, PA 19248 | METLIFE LEGAL PLANS | $4K | — | $4K | 11.00% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE #4500 HUNT VALLEY, MD 21031 | METLIFE LEGAL PLANS | — | $265 | $265 | 0.74% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METLIFE LEGAL PLANS | — | $42 | $42 | 0.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VIVERAE EIN 26-4218002 WELLNESS | Claims processing Service code 12 | — | $895K |
| AP BENEFIT ADVISORS EIN 30-0837157 BROKER | Claims processing Service code 12 | — | $202K |
| EXPRESS SCRIPTS, INC EIN 22-3461740 RX ADMIN | Contract Administrator; Claims processing Service code 12 | — | $177K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 DENTAL ADMIN | Contract Administrator; Claims processing Service code 12 | — | $71K |
| TELEMEDICINE MANAGEMENT, SWIFTMD EIN 26-1306606 MED ADMIN | Other fees; Other services Service code 49 | — | $71K |
| IDENTITY REHAB CORP DBA ID WATCHDOG EIN 20-3931142 IDENTITY THEFT | Contract Administrator; Claims processing Service code 12 | — | $29K |
| DISCOVERY BENEFITS EIN 90-0058554 FSA/COBRA ADMIN | Claims processing; Contract Administrator Service code 12 | — | $29K |
| WEST HEALTH ADVOCATE SOLUTIONS INC. EIN 23-3080019 NONE | Claims processing Service code 12 | — | $25K |
| CAREBRIDGE CORPORATION EIN 23-2614764 EAP ADMIN | Contract Administrator; Claims processing Service code 12 | — | $19K |
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 | 2,023 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,047 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 1,824 | $15.7M |
| Vision(2 contracts) | VISION BENEFITS OF AMERICA | 1,839 | $153K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,023 | $1.0M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,023 | $1.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,023 | $1.0M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,023 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,023 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.