| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BLVD #201 JACKSONVILLE, FL 32216 | EMPIRE HEALTHCHOICE ASSURANCE INC | $124K | — | $124K | 3.04% |
| CLEAR INSURANCE SERVICES LLC3 | 2080 CABOT BLVD W STE 202 LANGHORNE, PA 19047 | DELTA DENTAL OF PENNSYLVANIA | $7K | — | $7K | 1.98% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP LLC | 4348 SOUTHPOINT BLVD JACKSONVILLE, FL 32216 | INDEPENDENCE BLUE CROSS | $0 | — | $0 | 0.00% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP LLC | 4348 SOUTHPOINT BLVD JACKSONVILLE, FL 32216 | INDEPENDENCE BLUE CROSS | $0 | — | $0 | 0.00% |
| CLEAR INSURANCE SERVICES LLC3 | 2080 CABOT BLVD W STE 202 LANGHORNE, PA 19047 | VISION SERVICE PLAN | $2K | — | $2K | 3.58% |
| CLEAR INSURANCE SERVICES LLC3 | 2080 CABOT BLVD WEST SUITE 202 LANGHORNE, PA 19047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.92% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1800 ROUTE 34 BUILDING 4 SUITE 404A WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.66% |
| CLEAR INSURANCE SERVICES LLC3 | 2080 CABOT BLVD W STE 202 LANGHORNE, PA 19047 | DELTA DENTAL OF PENNSYLVANIA | $621 | — | $621 | 1.96% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP LLC | — | UNITED CONCORDIA INSURANCE COMPANY | $1K | — | $1K | 13.53% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP INC. | 4348 SOUTHPOINT BLVD #201 JACKSONVILLE, FL 32216 | EMPIRE HEALTHCHOICE ASSURANCE INC | $124K | — | $124K | 2629.95% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP LLC | — | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA INC | $221 | — | $221 | 13.31% |
| CLEAR INSURANCE SERVICES LLC3 | 2080 CABOT BLVD W STE 202 LANGHORNE, PA 19047 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26 | — | $26 | 9.89% |
| AMERIHEALTH ADMINISTRATORS INC3 | PO BOX 21545 EAGAN, MN 55121 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 1.90% |
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 | 760 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 789 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE INC | 545 | $4.3M |
| Dental(5 contracts, 4 carriers) | DELTA DENTAL OF PENNSYLVANIA | 610 | $416K |
| Vision(3 contracts, 3 carriers) | EMPIRE HEALTHCHOICE ASSURANCE INC | 545 | $4.3M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 93 | $44K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 93 | $44K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 93 | $44K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 35 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 610 | — |
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.
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.