| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPASS CONSULTING GROUP INC Filed as: COMPASS CONSULTING GROUP | 200 N DAIRY ASHFORD RD HOUSTON, TX 77079 | UNITED CONCORDIA DENTAL OF PA | $3K | — | $3K | 16.38% |
| COMPASS CONSULTING GROUP INC Filed as: COMPASS CONSULTING GROUP | 4348 SOUTHPOINT BLVD JACKSONVILLE, FL 32216 | INDEPENDENCE BLUE CROSS | $0 | — | $0 | — |
| CLEAR INSURANCE SERVICES LLC Filed as: CLEAR INSURANCE SERVICES, LLC | 2080 CABOT BLVD WEST LANGHORNE, PA 19047 | DELTA DENTAL | $538 | $0 | $538 | — |
| CLEAR INSURANCE SERVICES LLC Filed as: CLEAR INSURANCE SERVICES, LLC | 2080 CABOT BLVD WEST LANGHORNE, PA 19047 | DELTA DENTAL | $7K | $0 | $7K | — |
| AMERIHEALTH ADMINISTRATORS INC | PO BOX 21545 EAGAN, MN 55121 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31 | $0 | $31 | — |
| CLEAR INSURANCE SERVICES LLC Filed as: CLEAR INSURANCE SERVICES, LLC | 2080 CABOT BLVD WEST LANGHORNE, PA 19047 | VSP | $2K | $0 | $2K | — |
| COMPASS CONSULTING GROUP INC Filed as: COMPASS CONSULTING GROUP | 200 N DAIRY ASHFORD RD HUDSON, TX 77079 | UNITED CONCORDIA DENTAL OF PA | $341 | — | $341 | — |
| COMPASS CONSULTING GROUP INC Filed as: COMPASS CONSULTING GROUP | 4348 SOUTHPOINT BLVD JACKSONVILLE, FL 32216 | AMERIHEALTH INSURANCE CO | $0 | $0 | $0 | — |
| COMPASS CONSULTING GROUP INC Filed as: COMPASS CONSULTING GROUP | 4348 SOUTHPOINT BLVD JACKSONVILLE, FL 32216 | EMBLEM | $9K | — | $9K | — |
| COMPASS CONSULTING GROUP INC Filed as: COMPASS CONSULTING GROUP | 4348 SOUTHPOINT BLVD JACKSONVILLE, FL 32216 | INDEPENDENCE BLUE CROSS | $0 | — | $0 | — |
| CLEAR INSURANCE SERVICES LLC Filed as: CLEAR INSURANCE SERVICES, LLC | 2080 CABOT BLVD WEST LANGHORNE, PA 19047 | UNUM LIFE INS. CO | $4K | — | $4K | — |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES NELLIGAN AND ASSOSCIATES | 1800 RT 34 WALL, NJ 07719 | UNUM LIFE INS. CO | $4K | $149 | $4K | — |
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 | 812 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 842 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 145 | $0 |
| Dental(4 contracts, 2 carriers) | UNITED CONCORDIA DENTAL OF PA | 620 | $21K |
| Vision | VSP | 442 | $0 |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 552 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 620 | — |
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.
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.