| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $42K | $2K | $43K | 5.87% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | UNITED CONCORDIA INSURANCE COMPANY | $15K | $273 | $15K | 12.19% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | UNKNOWN DALLAS, TX 75251 | UNITED CONCORDIA INSURANCE COMPANY | $4K | $676 | $4K | 3.33% |
| BENEFITMALL3 Filed as: BENEFITMALL.COM | UNKNOWN DALLAS, TX 75251 | UNITED CONCORDIA INSURANCE COMPANY | -$5K | $0 | -$5K | -4.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF PENNSYLVANIA | 125 EAST ELM STREET, SUITE 210 CONSHOHOCKEN, PA 19428 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $24K | $0 | $24K | 43.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF PENNSYLVANIA | 125 EAST ELM STREET, SUITE 210 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF PENNSYLVANIA | 125 EAST ELM STREET, SUITE 210 CONSHOHOCKEN, PA 19428 | KANSAS CITY LIFE INSURANCE COMPANY | $15K | $0 | $15K | 34.26% |
| NORTH AMERICAN BENEFITS COMPANY5 | UNKNOWN WILOW GROVE, PA 19090 | KANSAS CITY LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF PENNSYLVANIA | 125 EAST ELM STREET, SUITE 210 CONSHOHOCKEN, PA 19428 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS. AGENCY OF VA | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $667 | $667 | 3.58% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $433 | $433 | 2.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF PENNSYLVANIA | 125 EAST ELM STREET, SUITE 210 CONSHOHOCKEN, PA 19428 | HEARTLAND | $916 | $0 | $916 | 5.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS. SERVICES, INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | HEARTLAND | $173 | $0 | $173 | 0.95% |
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 | 285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 89 | $788K |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 375 | $145K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 285 | $37K |
| Life insurance(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 218 | $75K |
| Short-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 69 | $63K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 16 | $19K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 89 | $788K |
| Other(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 218 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.