| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBDI, INC.3 | 9 EVES DRIVE SUITE 150 MARLTON, NJ 08053 | INDEPENDENCE BLUE CROSS | $51K | $9K | $60K | 2.53% |
| CBDI, INC.3 | 9 EVES DRIVE SUITE 150 MARLTON, NJ 08053 | KEYSTONE | $39K | $5K | $44K | 5.47% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP | 15 NORBROOK PARK NARBERTH, PA 19072 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | $6K | $5K | $11K | 9.10% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP INC. | 2218 RACE STREET PHILADELPHIA, PA 19103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.79% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP INC. | 2218 RACE STREET PHILADELPHIA, PA 19103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.07% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP, INC. | 2218 RACE STREET PHILADELPHIA, PA 19103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 9.93% |
| EXUDE BENEFITS GROUP INC3 | 2218 RACE STREET PHILADELPHIA, PA 19103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.30% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 179 | $3.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | 178 | $117K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 176 | $23K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 176 | $66K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 175 | $28K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 179 | $2.4M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.