| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID M. BANET & ASSOCIATES3 | 45 DOWLIN FORGE ROAD EXTON, PA 19341 | PERSONAL CHOICE | $39K | — | $39K | 6.26% |
| EVANS PANCOAST3 | 237 W. LANCASTER AVE, SUITE 251 DEVON, PA 19333 | UNITED HEALTHCARE INSURANCE COMPANY | $280 | $9K | $9K | 4.02% |
| FELGOISE CONSULTING3 | 466 GERMANTOWN PIKE, STE 204 LAFAYETTE HILL, PA 19444 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.92% |
| EVANS PANCOAST3 | 237 LANCASTER AVE., SUITE 251 DEVON, PA 19333 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.33% |
| FELGOISE CONSULTING3 | 466 GERMANTOWN PIKE, STE 204 LAFAYETTE HILL, PA 19444 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $1K | — | $1K | 2.54% |
| MANAGED CARE CONSULTANTS3 | 237 LANCASTER AVE., SUITE 251 DEVON, PA 19333 | AVMED | $3K | — | $3K | 6.00% |
| FELGOISE CONSULTING3 | 466 GERMANTOWN PIKE, STE 204 LAFAYETTE HILL, PA 19444 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 11.01% |
| FELGOISE CONSULTING3 | 466 GERMANTOWN PIKE, STE 204 LAFAYETTE HILL, PA 19444 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.12% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 630 W. GERMANTOWN PIKE, STE. 215 PLYMOUTH MEETING, PA 19462 | UPMC HEALTH OPTIONS | $667 | — | $667 | 2.88% |
| FELGOISE CONSULTING3 | 466 GERMANTOWN PIKE, STE 204 LAFAYETTE HILL, PA 19444 | GEISINGER QUALITY OPTIONS, INC. | $525 | $15 | $540 | 2.76% |
| DAVID M. BANET & ASSOCIATES3 | 45 DOWLIN FORGE ROAD EXTON, PA 19341 | KEYSTONE HEALTH PLAN EAST | $782 | — | $782 | 5.10% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 630 W. GERMANTOWN PIKE, STE. 215 PLYMOUTH MEETING, PA 19462 | UPMC HEALTH OPTIONS | $483 | — | $483 | 3.30% |
| MANAGED CARE CONSULTANTS3 | 237 LANCASTER AVE., SUITE 251 DEVON, PA 19333 | AVMED | $159 | — | $159 | 6.00% |
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 | 174 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 6 carriers) | PERSONAL CHOICE | 220 | $992K |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 174 | $127K |
| Vision(2 contracts, 2 carriers) | PERSONAL CHOICE | 220 | $866K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $87K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $55K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $88K |
| Prescription drug(5 contracts, 4 carriers) | PERSONAL CHOICE | 220 | $974K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.