| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA INC. | 125 E ELM STREET STE 210 CONSHOHOCKEN, PA 19428 | GUARDIAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC. | 1133 WESTCHESTER AVE STE N-136 WHITE PLAINS, NY 10604 | GUARDIAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.86% |
| INDEPENDENCE PLANNING GROUP3 | 1767 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | GUARDIAN LIFE INSURANCE COMPANY | $24 | $0 | $24 | 0.05% |
| MAZZMAR LLC3 | 1767 SENTRY PKWY W STE 200 BLUE BELL, PA 19422 | GUARDIAN LIFE INSURANCE COMPANY | $24 | $0 | $24 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA, INC. | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19420 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.80% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS GROUP INC. | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21031 | AMERICAN UNITED LIFE INSURANCE COMPANY | $808 | $0 | $808 | 4.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA L | 125 E ELM STREET, SUITE 210 CONSHOHOCKEN, PA 19428 | VISION BENEFITS OF AMERICA | $745 | $0 | $745 | 6.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA, INC. | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19420 | RELIANCE STANDARD | $771 | $123 | $894 | 17.39% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 95 | $47K |
| Vision | VISION BENEFITS OF AMERICA | 138 | $12K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 438 | $19K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 438 | $19K |
| Long-term disability | RELIANCE STANDARD | 14 | $5K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 438 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.