| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA, LP | 125 E. ELM STREET, SUITE 210 CONSHOHOCKEN, PA 19428 | COMPANION LIFE INSURANCE COMPANY | $23K | — | $23K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVC | — | UNITED CONCORDIA INSURANCE COMPANY | $6K | $4K | $10K | 12.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA, INC. | — | UNITED CONCORDIA INSURANCE COMPANY | $601 | — | $601 | 0.77% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | AMERICAN UNITED LIFE | — | $3K | $3K | 11.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LEHIGH VALLEY | 3001 EMERICK BLVD., SUITE 120 BETHLEHEM, PA 18020 | AMERICAN UNITED LIFE | $3K | — | $3K | 10.00% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 197 | $1.9M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 310 | $78K |
| Life insurance | AMERICAN UNITED LIFE | 170 | $27K |
| Long-term disability | AMERICAN UNITED LIFE | 170 | $27K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 197 | $1.9M |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 197 | $152K |
| Other | AMERICAN UNITED LIFE | 170 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.