| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA, LP | THE CURTIS CENTER 601 WALNUT ST SUITE 275W PHILADELPHIA, PA 19106 | KEYSTONE | $50K | $11K | $61K | 3.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA, LP | THE CURTIS CENTER 601 WALNUT ST SUITE 275W PHILADELPHIA, PA 19106 | INDEPENDENCE BLUE CROSS-PPO | $24K | $6K | $30K | 3.50% |
| ALPHA BENEFITS GROUP INC3 | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | GUARDIAN | $25K | $12K | $37K | 8.05% |
| AMERIHEALTH ADMINISTRATORS INC3 Filed as: AMERIHEALTH ADMINISTRATORS, INC | P.O. BOX 21545 EAGAN, MN 55121 | GUARDIAN | $5K | $0 | $5K | 1.05% |
| ALPHA BENEFITS GROUP INC3 | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | GUARDIAN | $13K | $199 | $13K | 107.49% |
| FINANCIAL BALANCE GROUP LLC3 | 1901 RESEARCH BLVD #400 ROCKVILLE, MD 20850 | GUARDIAN | $0 | $94 | $94 | 0.76% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE | 227 | $2.5M |
| Dental | GUARDIAN | 187 | $465K |
| Vision | GUARDIAN | 187 | $465K |
| Life insurance | GUARDIAN | 187 | $465K |
| Long-term disability | GUARDIAN | 187 | $465K |
| Prescription drug | INDEPENDENCE BLUE CROSS-PPO | 113 | $872K |
| Other(2 contracts) | GUARDIAN | 187 | $477K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.