| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA, INC. | — | UNITED CONCORDIA INSURANCE COMPANY | $7K | — | $7K | 10.02% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | AMERICAN UNITED LIFE | — | $3K | $3K | 10.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LEHIGH VALLEY | 3001 EMRICK BLVD., SUITE 120 BETHLEHEM, PA 18020 | AMERICAN UNITED LIFE | $2K | — | $2K | 9.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 3001 EMRICK BLVD BETHLEHEM, PA 18020 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 18.43% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK RD #500 HUNT VALLEY, MD 210318622 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $213 | $360 | $573 | 4.22% |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 138 | $1.6M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 301 | $73K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE | 173 | $39K |
| Long-term disability | AMERICAN UNITED LIFE | 173 | $26K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 138 | $1.6M |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE | 173 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.