| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR SUITE 215 FORT WASHINGTON, PA 190343224 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $20K | $20K | 4.17% |
| SSM INSURANCE SERVICES, INC.3 Filed as: SSM INSURANCE SERVICES INC. | PO BOX 750004 PETALUMA, CA 94975 | STANDARD INSURANCE COMPANY | $12K | $0 | $12K | 7.50% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC. | 350 5TH AVE SUITE 3700 NEW YORK, NC 10118 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 5.00% |
| SSM INSURANCE SERVICES, INC.3 Filed as: SSM INSURANCE SERVICES INC. | PO BOX 750004 PETALUMA, CA 94975 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 6.63% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC. | 350 5TH AVE SUITE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 4.16% |
| SSM INSURANCE SERVICES, INC.3 | DBA ARROW BENEFITS INS. SERVICES 1465 NORTH MCDOWELL BLVD. SUITE 180 PETALUMA, CA 94954 | HCC LIFE INSURANCE COMPANY | $10K | $0 | $10K | 9.89% |
| PATRIOT GROWTH INSURANCE SERVICES3 | DBA ARROW BENEFIT INS. SERVICE 1465 NORTH MCDOWELL BLVD. SUITE 180 PETALUMA, CA 94954 | HCC LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.11% |
| SSM INSURANCE SERVICES, INC.3 Filed as: SSM INSURANCE SERVICES INC. | PO BOX 750004 PETALUMA, CA 94975 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 6.65% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. INC. | 350 5TH AVE SUITE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 4.16% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR SUITE 215 FT. COLLINS, PA 19034 | EYEMED VISION CARE | $2K | $0 | $2K | 10.37% |
| SSM INSURANCE SERVICES, INC.3 Filed as: SSM INSURANCE SERVICES | PO BOX 750004 PETALUMA, CA 94975 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 6.67% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC. | 350 5TH AVE SUITE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $654 | $0 | $654 | 4.17% |
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 | 512 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 166 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 678 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 106 | $474K |
| Dental | STANDARD INSURANCE COMPANY | 319 | $159K |
| Vision(2 contracts) | EYEMED VISION CARE | 516 | $19K |
| Life insurance | STANDARD INSURANCE COMPANY | 668 | $123K |
| Short-term disability | STANDARD INSURANCE COMPANY | 121 | $16K |
| Long-term disability | STANDARD INSURANCE COMPANY | 512 | $32K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 360 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 668 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.