| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP,LLC | 4348 SOUTHPOINT BLVD JACKSONVILLE, FL 32216 | AMERIHEALTH INS. CO. | $92K | — | $92K | 6.64% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP,LLC | 4348 SOUTHPOINT BLVD JACKSONVILLE, FL 32216 | INDEPENDENCE BLUE CROSS | — | — | $0 | 0.00% |
| COMPASS CONSULTING GROUP, INC. 43483 Filed as: COMPASS GROUP GLOBAL LLC | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | EMBLEMHEALTH | $19K | — | $19K | 4.00% |
| CLEAR INSURANCE SERVICES LLC3 | 2080 CABOT BLVD W STE 202 LANGHORNE, PA 19047 | DELTA DENTAL OF PENNSYLVANIA | $7K | — | $7K | 2.50% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP,LLC | 4348 SOUTHPOINT BLVD JACKSONVILLE, FL 32216 | INDEPENDENCE BLUE CROSS | — | — | $0 | 0.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | BUILDING 4 SUITE 404A 1800 ROUTE 34 WALL, NJ 07719 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 3.90% |
| CLEAR INSURANCE SERVICES LLC3 | 2080 CABOT BLVD ,SUITE 202 LANGHORNE, PA 19047 | FIRST UNUM LIFE INSURANCE COMPANY | $176 | — | $176 | 0.17% |
| CLEAR INSURANCE SERVICES LLC3 | 2080 CABOT BLVD ,SUITE 202 LANGHORNE, PA 19047 | VISION SERVICE PLAN | $2K | — | $2K | 3.77% |
| CLEAR INSURANCE SERVICES LLC3 | 2080 CABOT BLVD W ,SUITE 202 LANGHORNE, PA 19047 | DELTA DENTAL OF PENNSYLVANIA | $538 | — | $538 | 2.50% |
| CLEAR INSURANCE SERVICES LLC | 2080 CABOT BLVD ,SUITE 202 LANGHORNE, PA 19047 | GUARDIAN | $486 | — | $486 | 10.01% |
| AMERIHEALTH ADMINISTRATORS INC Filed as: AMERIHEALTH ADMINISTRATOR | PO BOX 21545 EAGAN, MN 55121 | GUARDIAN | $97 | — | $97 | 2.00% |
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 | 860 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 874 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | AMERIHEALTH INS. CO. | 168 | $2.6M |
| Dental(4 contracts, 3 carriers) | DELTA DENTAL OF PENNSYLVANIA | 620 | $332K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 427 | $608K |
| Life insurance | GUARDIAN | 52 | $5K |
| Short-term disability | GUARDIAN | 52 | $5K |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 388 | $109K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 117 | $559K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.