| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST BUCKS LLC3 Filed as: FIRST BUCKS, LLC | 60 BLACKSMITH ROAD NEWTON, PA 18940 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $0 | $17K | 2.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | $0 | $208 | $208 | 0.10% |
| FIRST BUCKS LLC3 Filed as: FIRST BUCKS, LLC | 60 BLACKSMITH ROAD NEWTOWN, PA 18940 | HARTFORD LIFE AND ACCIDENT | $107 | $0 | $107 | 0.05% |
| GREENWICH INSURANCE COMPANY3 Filed as: GREENWICH AGENCY, INC. | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | HARTFORD LIFE AND ACCIDENT | $97 | $0 | $97 | 0.05% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1305 WALT WHITMON ROAD SUITE 310 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $0 | $49 | $49 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | HARTFORD LIFE AND ACCIDENT | $21 | $0 | $21 | 0.01% |
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 | 1,303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,805 | $568K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,805 | $568K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,496 | $206K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,496 | $206K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,496 | $206K |
| Other | HARTFORD LIFE AND ACCIDENT | 3,496 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,496 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.