| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBDI, INC.3 Filed as: CBDI | 9 EVES DRIVE MARLTON, NJ 08053 | KEYSTONE | $5K | $145K | $150K | 5.60% |
| CBDI, INC.3 | 9 EVES DRIVE SUITE 150 MARLTON, NJ 08053 | INDEPENDENCE BLUE CROSS | $3K | $0 | $3K | 0.43% |
| EXUDE BENEFITS GROUP INC3 | 2218 RACE STREET PHILADELPHIA, PA 19103 | HARTFORD LIFE AND ACCIDENT | $17K | $5K | $23K | 12.17% |
| CBDI, INC.3 | 9 EVES DRIVE, #150 MARLTON, NJ 08053 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $8K | $0 | $8K | 8.08% |
| CBDI, INC.3 | 9 EVES DR #150 MARLTON, NJ 08053 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $2K | $0 | $2K | 8.23% |
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 | 405 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE | 362 | $3.4M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 376 | $131K |
| Vision | INDEPENDENCE BLUE CROSS | 117 | $711K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 405 | $187K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 405 | $187K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 117 | $711K |
| Other | HARTFORD LIFE AND ACCIDENT | 405 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.