| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: SIMKISS AGENCY LLC | PO BOX 1787 PAOLI, PA 193010826 | HARTFORD LIFE AND ACCIDENT | $12K | $0 | $12K | 10.69% |
| DAVID M. BANET & ASSOCIATES3 | 45 DOWLIN FORGE RD EXTON, PA 19341 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $2K | $0 | $2K | 9.92% |
| CORPORATE BENEFITS ALLIANCE3 | 1055 WESTLAKES DRIVE SUITE 131 BERWYN, PA 19312 | NATIONAL VISION ADMINISTRATORS, LLC | $332 | $0 | $332 | 10.01% |
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 | 293 | 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) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 250 | $23K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 181 | $3K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 137 | $109K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 137 | $109K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 137 | $109K |
| Other | HARTFORD LIFE AND ACCIDENT | 137 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.