| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITSDNA LLC3 Filed as: BENEFITSDNA | 20 BRIARCREST SQ. SUITE 205 HERSHEY, PA 17033 | PRINCIPAL LIFE INSURANCE COMPANY | $30K | — | $30K | 11.12% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $9K | $22K | 8.41% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 Filed as: BENECHOICE | 1574 LITITZ PIKE LANCASTER, PA 17601 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 3.11% |
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY JOHNSON | 3850 E BASELINE ROAD STE 121 MESA, AZ 85206 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | HIGHMARK INC. | $10K | — | $10K | 9.25% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR. HUNT VALLEY, MD 21030 | HIGHMARK INC. | $4 | — | $4 | 0.00% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK INC. | 141 | $112K |
| Vision | HIGHMARK INC. | 141 | $112K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 261 | $266K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 261 | $266K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 261 | $266K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 261 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.