| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $43K | $5K | $48K | 2.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 980 WASHINGTON STREET SUITE 325 BOSTON, MA 02110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $9K | 9.95% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 133 FEDERAL STREET BOSTON, MA 02110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 4.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | ALLIED ADMINISTRATORS | $7K | $0 | $7K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA HAYS COMPANIES | 980 WASHINGTON ST. SUITE 325 DEDHAM, MA 02026 | EYEMED VISION CARE | $1K | $0 | $1K | 9.13% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 252 | $1.6M |
| Dental | ALLIED ADMINISTRATORS | 140 | $71K |
| Vision | EYEMED VISION CARE | 227 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $94K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $94K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $94K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 252 | $1.6M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.