| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLEXIBLE BENEFIT PLANS, INC.3 | VALLEY FORGE COMMONS 1288 VALLEY FORGE ROAD VALLEY FORGE, PA 19482 | INDEPENDENCE BLUE CROSS | $105K | — | $105K | 3.88% |
| THOMAS M TEGLER3 | 1615 WEST CHESTER PIKE SUITE 104 WEST CHESTER, PA 19382 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $2K | $11K | 6.26% |
| THOMAS M TEGLER3 | 1615 WEST CHESTER PIKE SUITE 104 WEST CHESTER, PA 19382 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 12.75% |
| THOMAS M TEGLER3 | 1615 WEST CHESTER PIKE SUITE 104 WEST CHESTER, PA 19382 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $743 | $3K | 12.96% |
| THOMAS M TEGLER3 | 1615 WEST CHESTER PIKE SUITE 104 WEST CHESTER, PA 19382 | VISION SERVICE PLAN | $1K | — | $1K | 5.47% |
| THOMAS M TEGLER3 | 1615 WEST CHESTER PIKE SUITE 104 WEST CHESTER, PA 19382 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $541 | $3K | 12.65% |
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 | 378 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 295 | $2.7M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 244 | $175K |
| Vision | VISION SERVICE PLAN | 238 | $20K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 378 | $20K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 378 | $48K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 295 | $2.7M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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.