| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT WATCH LLC3 Filed as: BENEFIT WATCH, INC. | 164 SOUTH MAIN STREET YARDLEY, PA 19067 | CIGNA | $692 | $79K | $80K | 3.92% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 669 RIVER DR CNTR II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA | $0 | $40K | $40K | 1.99% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP INC. | 2218 RACE ST. PHILADELPHIA, PA 19103 | CIGNA | $351 | $27K | $27K | 1.34% |
| BENEFIT WATCH LLC3 Filed as: BENEFIT WATCH, INC. | 164 S MAIN STREET YARDLEY, PA 19067 | DELTA DENTAL OF PENNSYLVANIA | $4K | $0 | $4K | 3.30% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP | 2218 RACE ST PHILADELPHIA, PA 19103 | DELTA DENTAL OF PENNSYLVANIA | $928 | $0 | $928 | 0.85% |
| BENEFIT WATCH LLC3 Filed as: BENEFIT WATCH, INC. | 164 S MAIN STREET YARDLEY, PA 19067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.19% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP INC. | 2218 RACE ST. PHILADELPHIA, PA 19103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $509 | $0 | $509 | 0.81% |
| BENEFIT WATCH LLC3 Filed as: BENEFIT WATCH, INC. | 164 S MAIN STREET YARDLEY, PA 19067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 13.81% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP INC. | 2218 RACE ST. PHILADELPHIA, PA 19103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $340 | $0 | $340 | 1.19% |
| BENEFIT WATCH LLC3 Filed as: BENEFIT WATCH, INC. | 164 S MAIN STREET YARDLEY, PA 19067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.78% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFTIS GROUP INC. | 2218 RACE ST. PHILADELPHIA, PA 19103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $208 | $0 | $208 | 1.23% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP INC. | 2218 RACE ST. PHILADELPHIA, PA 19103 | THE LINCOLN LIFE INSURANCE CO. | $2K | $0 | $2K | 10.00% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP INC. | 2218 RACE ST. PHILADELPHIA, PA 19103 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $1K | $0 | $1K | 15.00% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP INC. | 2218 RACE ST PHILADELPHIA, PA 19103 | LINCOLN NATIONAL LIFE INSURANCE CO. | $638 | $0 | $638 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INS. CO. EIN 59-1031071 ADMIN | Claims processing Service code 12 | — | $107K |
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 | 235 | 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) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 235 | $2.0M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 314 | $109K |
| Vision | CIGNA | 235 | $2.0M |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 205 | $21K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 205 | $79K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 205 | $36K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 205 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.