| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA INC. | DBA DOYLE CONSULTING GROUP 125 ELM ST, STE 210 CONSHOHOCKEN, PA 19428 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 8.20% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 0.74% |
| GREYSTONE BENEFITS INC.3 | 5 STATION AVENUE STE 100 BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 9.02% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $777 | — | $777 | 1.30% |
| GREYSTONE BENEFITS INC.3 | 5 STATION AVENUE STE 100 BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $896 | $4K | 8.78% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $459 | — | $459 | 0.94% |
| GREYSTONE BENEFITS INC.3 | 5 STATION AVENUE STE 100 BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $850 | $4K | 7.63% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $439 | — | $439 | 0.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA INC. | DBA DOYLE CONSULTING GROUP 125 ELM ST, STE 210 CONSHOHOCKEN, PA 19428 | AETNA LIFE INSURANCE CO. | $17K | — | $17K | 70.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 12.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA INC. | DBA DOYLE CONSULTING GROUP 125 ELM ST, STE 210 PHILADELPHIA, PA 19106 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 8.70% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AETNA LIFE INSURANCE CO. | $277 | — | $277 | 1.59% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 403 | $2.5M |
| Dental | AETNA LIFE INSURANCE CO. | 435 | $167K |
| Vision | INDEPENDENCE BLUE CROSS | 403 | $2.5M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 211 | $47K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 211 | $49K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 211 | $60K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 403 | $2.5M |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 211 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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.
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.