| 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. | — | — | $0 | 0.00% |
| COMPASS CONSULTING GROUP INC Filed as: COMPASS CONSULTING GROUP,LLC | 4348 SOUTHPOINT BLVD JACKSONVILLE, FL 32216 | INDEPENDENCE BLUE CROSS | — | — | $0 | 0.00% |
| CLEAR INSURANCE SERVICES LLC3 | 2080 CABOT BLVD ,SUITE 202 LANGHORNE, PA 19047 | METROPOLITAN INSURANCE COMPANY | $18K | — | $18K | 4.08% |
| CLEAR INSURANCE SERVICES LLC3 | 2080 CABOT BLVD ,SUITE 202 LANGHORNE, PA 19047 | DELTA DENTAL OF PENNSYLVANIA | $6K | — | $6K | 2.50% |
| COMPASS CONSULTING GROUP INC 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 | STE 368 1933 STATE ROUTE 35 WALL, NJ 07719 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 4.42% |
| CLEAR INSURANCE SERVICES LLC3 | 2080 CABOT BLVD ,SUITE 202 LANGHORNE, PA 19047 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 4.13% |
| CLEAR INSURANCE SERVICES LLC3 | 2080 CABOT BLVD ,SUITE 202 LANGHORNE, PA 19047 | VISION SERVICE PLAN | $2K | — | $2K | 4.17% |
| CLEAR INSURANCE SERVICES LLC3 | 2080 CABOT BLVD ,SUITE 202 LANGHORNE, PA 19047 | DELTA DENTAL OF PENNSYLVANIA | $263 | — | $263 | 2.50% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP,LLC | PO BOX HOUSTON, TX 77002 | UNITED CONCORDIA INSURANCE COMPANY | $2K | — | $2K | 27.43% |
| COMPASS CONSULTING GROUP INC Filed as: COMPASS CONSULTING GROUP,LLC | 4348 SOUTHPOINT BLVD JACKSONVILLE, FL 32216 | INDEPENDENCE BLUE CROSS | — | — | $0 | 0.00% |
| CLEAR INSURANCE SERVICES LLC | 2080 CABOT BLVD ,SUITE 202 LANGHORNE, PA 19047 | GUARDIAN | $116 | — | $116 | 9.78% |
| AMERIHEALTH ADMINISTRATORS INC Filed as: AMERIHEALTH ADMINISTRATOR | PO BOX 21545 EAGAN, MN 55121 | GUARDIAN | $24 | — | $24 | 2.02% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP,LLC | PO BOX HOUSTON, TX 77002 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC | $144 | — | $144 | 30.38% |
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 | 752 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | AMERIHEALTH INS. CO. | 239 | $3.4M |
| Dental(5 contracts, 4 carriers) | METROPOLITAN INSURANCE COMPANY | 1,167 | $696K |
| Vision(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 1,167 | $1.7M |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN INSURANCE COMPANY | 1,167 | $561K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN INSURANCE COMPANY | 1,167 | $438K |
| Long-term disability | GUARDIAN | 39 | $1K |
| Prescription drug(2 contracts, 2 carriers) | AMERIHEALTH INS. CO. | 239 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,167 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.