| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE BENEFITS ALLIANCE3 | 37 WEST AVE STE 350 WAYNE, PA 19087 | UNITEDHEALTHCARE INSURANCE COMPANY | $180K | $0 | $180K | 4.28% |
| CORPORATE BENEFITS ALLIANCE3 Filed as: CORPORATE BENEFITS ALLIANCE INC | 37 WEST AVE STE 350 WAYNE, PA 19087 | DELTA DENTAL OF PENNSYLVANIA | $15K | $0 | $15K | 4.53% |
| CORPORATE BENEFITS ALLIANCE3 Filed as: CORPORATE BENEFITS ALLIANCE INC | 37 WEST AVE SUITE 350 WAYNE, PA 19087 | UNION SECURITY INSURANCE COMPANY | $25K | $8K | $33K | 14.13% |
| CORPORATE BENEFITS ALLIANCE3 Filed as: CORPORATE BENEFITS ALIANCE | 37 WEST AVENUE SUITE 350 WAYNE, PA 19087 | AETNA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.97% |
| CORPORATE BENEFITS ALLIANCE3 | 37 WEST AVE STE 350 WAYNE, PA 19087 | GERBER | $2K | $0 | $2K | 5.00% |
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 | 905 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 946 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,036 | $4.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 1,012 | $380K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 767 | $88K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 910 | $284K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 910 | $234K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 910 | $234K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,036 | $4.2M |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 910 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,036 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.