| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $58K | $4K | $63K | 5.40% |
| BEACON BENEFITS LLC3 | 120 SOUTH WARNER ROAD, SUITE 201 KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF PENNSYLVANIA | $2K | — | $2K | 2.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD, FLOOR 14 CHICAGO, IL 60604 | DELTA DENTAL OF PENNSYLVANIA | $531 | — | $531 | 0.66% |
| BEACON BENEFITS LLC3 | 120 S WARNER RD STE 201 KING OF PRUSSIA, PA 19406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | EMPLOYEE BENEFITS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $595 | $347 | $942 | 1.85% |
| BEACON BENEFITS LLC3 | 120 SOUTH WARNER ROAD, SUITE 201 KING OF PRUSSIA, PA 19406 | VISION BENEFITS OF AMERICA | $494 | — | $494 | 3.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD, FLOOR 14 CHICAGO, IL 60604 | VISION BENEFITS OF AMERICA | $149 | — | $149 | 1.16% |
| ARDENA L MCVICKER3 | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $649 | $330 | $979 | 10.74% |
| BEACON BENEFITS LLC3 | 120 S WARNER RD KING OF PRUSSIA, PA 19406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $870 | — | $870 | 9.54% |
| BRENT L GOODE3 Filed as: BRENT MCVICKER | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $489 | $16 | $505 | 5.54% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | $44 | $176 | 1.93% |
| SUSAN GOLD STOKES3 | 104 MISTY HOLLOW WAY HUNTSVILLE, AL 35806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $15 | $94 | 1.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD METAIRIE, LA 70002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $16 | $68 | 0.75% |
| KRISTIN LEASE3 | 3890 HOWARD AVE LOS ALAMITOS, CA 90720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $25 | $37 | 0.41% |
| HEARTSEASE LLC3 | 1521 NE 63RD AVE HILLSBORO, OR 97124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $13 | $32 | 0.35% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH ST RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $10 | $31 | 0.34% |
| WORKSITE BENEFITS GROUP INC3 | 112 NW 114TH ST VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $12 | $20 | 0.22% |
| DENNIS E TRAYWICK3 Filed as: DENNIS E. TRAYWICK | 1325 BLACK ROAD PROSPECT, TN 38477 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $4 | $11 | 0.12% |
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 | 540 | 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) | 540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 190 | $1.2M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 250 | $80K |
| Vision | VISION BENEFITS OF AMERICA | 167 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 540 | $51K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 7 | $9K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 540 | $51K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 190 | $1.2M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 540 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 540 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.