| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BOULEVARD #201 JACKSONVILLE, FL 32216 | EMPIRE BLUE CROSS BLUE SHIELD | $145K | — | $145K | 3.85% |
| CLEAR INSURANCE SERVICES LLC3 | 2080 CABOT BLVD W SUITE 202 LANGHORNE, PA 19047 | DELTA DENTAL OF PENNSYLVANIA | $10K | — | $10K | 2.50% |
| CLEAR INSURANCE SERVICES LLC3 | 2080 CABOT BLVD W SUITE 202 LANGHORNE, PA 19047 | VISION SERVICE PLAN | $2K | — | $2K | 3.71% |
| CLEAR INSURANCE SERVICES LLC3 | 2080 CABOT BLVD. W SUITE 202 LANGHORNE, PA 19047 | DELTA DENTAL OF PENNSYLVANIA | $743 | — | $743 | 2.22% |
| CLEAR INSURANCE SERVICES LLC3 | 2080 CABOT BLVD. W SUITE 202 LANGHORNE, PA 19047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.34% |
| EDWARD PICCIONE3 | 729 LYNWOOD DR LANGHORNE, PA 19053 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $106 | $21 | $127 | 0.46% |
| CLEAR INSURANCE SERVICES LLC3 | 2080 CABOT BLVD. W SUITE 202 LANGHORNE, PA 19047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $961 | — | $961 | 6.68% |
| EDWARD PICCIONE3 | 729 LYNWOOD DR LANGHORNE, PA 19053 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $184 | $16 | $200 | 1.39% |
| CLEAR INSURANCE SERVICES LLC3 | 2080 CABOT BLVD. W SUITE 202 LANGHORNE, PA 19047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $528 | — | $528 | 5.79% |
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 | 733 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 767 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE BLUE CROSS BLUE SHIELD | 646 | $3.8M |
| Dental(2 contracts) | DELTA DENTAL OF PENNSYLVANIA | 899 | $446K |
| Vision(2 contracts, 2 carriers) | EMPIRE BLUE CROSS BLUE SHIELD | 646 | $3.8M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 81 | $28K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11 | $9K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 80 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 899 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.