| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENESERV, INC.3 Filed as: BENESERV CORPORATE | 15 E FRONT ST MEDIA, PA 19063 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $77K | $0 | $77K | 9.93% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $38K | $38K | 4.96% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS | 24 E 2ND ST 1ST FLOOR MEDIA, PA 19063 | AMERICAN UNITED LIFE INSURANCE COMPANY | $48K | $21K | $69K | 9.73% |
| BENESERV, INC.3 Filed as: BENESERV CORPORATE | 15 E FRONT ST MEDIA, PA 19063 | AMERICAN UNITED LIFE INSURANCE COMPANY | $48K | $0 | $48K | 6.76% |
| TRIBEN INSURANCE SOLUTIONS INC3 | 24E 2ND ST 1ST FLOOR MEDIA, PA 19063 | TRANSAMERICA LIFE INSURANCE COMPANY | $53K | $0 | $53K | 20.69% |
| BENESERV, INC.3 Filed as: BENESERV INC | 15 E FRONT ST MEDIA, PA 19063 | TRANSAMERICA LIFE INSURANCE COMPANY | $27K | $0 | $27K | 10.41% |
| EMERSON REID LLC3 | 4651 WEST CHESTER PIKE NEWTON SQUARE, PA 19073 | TRANSAMERICA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 3.33% |
| BENESERV, INC.3 Filed as: BENESERV INC | 15 E FRONT ST MEDIA, PA 19063 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 13.25% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $495 | $495 | 5.51% |
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 | 867 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 886 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,104 | $771K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 867 | $713K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 867 | $704K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 867 | $704K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 867 | $961K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,104 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.