| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN INSURANCE ADMINISTRATORS3 | 1200 WILSHIRE BLVD LOS ANGELES, CA 90017 | DELTA DENTAL OF PENNSYLVANIA | $5K | $0 | $5K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 E ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 15.87% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN ADMINISTRATORS LLC | 4550 LENA DR MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $740 | $0 | $740 | 2.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA, INC. | 125 E. ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $578 | $3K | 15.79% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN ADMINISTRATORS LLC | 4550 LENA DR MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $426 | $0 | $426 | 2.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 E ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | NATIONAL VISION ADMINISTRATORS, LLC | $769 | $0 | $769 | 5.01% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 4550 LENA DR 3RD FL MECHANICSBURG, PA 17055 | NATIONAL VISION ADMINISTRATORS, LLC | $153 | $0 | $153 | 1.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA, INC. | 125 E. ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $383 | $2K | 15.74% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN ADMINISTRATORS LLC | 4550 LENA DR MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $297 | $0 | $297 | 2.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 E ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $780 | $234 | $1K | 16.29% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN ADMINISTRATORS LLC | 4550 LENA DR MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $154 | $0 | $154 | 2.47% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 113 | $54K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 93 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $6K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $30K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.