| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $79K | $5K | $83K | 11.69% |
| BGRAND BENEFITS, LLC3 Filed as: BGRAND BENEFITS LLC | 10 CAMPUB BLVD NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | — | $24K | 27.82% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS INC. | 24 EAST 2ND STREET 1ST FLOOR MEDIA, PA 19063 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | $1K | $23K | 26.10% |
| BGRAND BENEFITS, LLC3 Filed as: BGRAND BENEFITS LLC | 10 CAMPUS BLVD NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | — | $20K | 27.82% |
| TRIBEN INSURANCE SOLUTIONS INC3 | 24 EAST 2ND STREET 1ST FLOOR MEDIA, PA 19063 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $883 | $18K | 26.10% |
| THE FOLEY INSURANCE AGENCY, INC.3 Filed as: THE FOLEY INSURANCE AGENCY INC. | 8 SPRING HOUSE INNOVATION PARK AMBLER, PA 190021220 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.30% |
| CAPSTONE INSURANCE GROUP3 | 8 SPRING HOUSE INNOVATION PARK SUITE 202 LOWER GWYNEDD, PA 19002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 12.50% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 739 | $909K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 184 | $59K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 184 | $59K |
| Prescription drug(3 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 269 | $752K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 739 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 739 | — |
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.