| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNA L.P. | THE CURTIS CENTER 601 WALNUT STREET #805 PHILADELPHIA, PA 19106 | INDEPENDENCE BLUE CROSS | $37K | — | $37K | 5.36% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON BENEFITS, | INC. 109 PHEASANT RUN NEWTOWN, PA 19047 | INDEPENDENCE BLUE CROSS | $5K | — | $5K | 0.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA INC. | THE CURTIS CENTER 601 WALNUT STREET #805 PHILADELPHIA, PA 19106 | DELTA DENTAL OF PENNSYLVANIA | $6K | — | $6K | 11.86% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 12.90% |
| NATIONAL PENN INSURANCE SERVICES3 | GROUP D.B,A. HIGGINS INSURANCE 115 SOUTH CENTRE STREET POTTSVILLE, PA 17901 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 137 | $688K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 164 | $49K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 150 | $35K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 150 | $35K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 150 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.