| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY STE 200 WALLINGFORD, CT 06492 | AETNA | $35K | — | $35K | 3.35% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 19106 | AETNA | $18K | — | $18K | 1.72% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | — | UNITED HEALTHCARE | $3K | $2K | $4K | 0.49% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | — | AETNA | $3K | — | $3K | 3.93% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP | 325 CHESTNUT STREET STE 1000 PHILADELPHIA, PA 19106 | EYEMED VISION CARE | $741 | — | $741 | 6.27% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | — | EYEMED VISION CARE | $586 | — | $586 | 4.96% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | — | UNITED HEALTHCARE | $68 | — | $68 | 4.32% |
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 | 217 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA | 108 | $2.0M |
| Dental | AETNA | 194 | $77K |
| Vision | EYEMED VISION CARE | 301 | $12K |
| Life insurance | UNITED HEALTHCARE | 281 | $2K |
| Other | UNITED HEALTHCARE | 281 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.