| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MF IRVINE COMPANIES LLC3 Filed as: M. F. IRVINE COMPANIES, LLC | 21 E TH AVE CONSHOHOCKEN, PA 19428 | INDEPENDENCE BLUE CROSS | $22K | $0 | $22K | 5.72% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $18K | $0 | $18K | 4.64% |
| MF IRVINE COMPANIES LLC3 Filed as: M.F. IRVINE COMPANIES, LLC | 21 E 5TH AVE CONSHOHOCKEN, PA 19428 | KEYSTONE | $16K | $0 | $16K | 5.30% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | KEYSTONE | $10K | $0 | $10K | 3.17% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 660 AMERICAN AVE SUITE 101 KING OF PRUSSIA, PA 19406 | UNION SECURITY INSURANCE COMPANY | $4K | $2K | $5K | 9.30% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 660 AMERICAN AVENUE SUITE 101 KING OF PRUSSIA, PA 19406 | UNION SECURITY INSURANCE COMPANY | $4K | $958 | $5K | 20.91% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 82 | $685K |
| Dental | UNION SECURITY INSURANCE COMPANY | 154 | $58K |
| Vision | INDEPENDENCE BLUE CROSS | 82 | $384K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 154 | $82K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 45 | $24K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 154 | $58K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 82 | $384K |
| Other(2 contracts) | UNION SECURITY INSURANCE COMPANY | 154 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.