| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 660 AMERICAN AVE STE 101 KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $0 | $6K | 13.35% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 600 AMERICAN AVE STE 101 KING OF PRUSSIA, PA 194064032 | VISION SERVICE PLAN | $283 | $0 | $283 | 2.46% |
| SECURITAS INSURANCE PARTNERS, LLC3 Filed as: SECURITAS INSURANCE PARTNERS | 7 GREAT VALLEY PKWY STE 140 MALVERN, PA 193551425 | VISION SERVICE PLAN | $139 | $0 | $139 | 1.21% |
| STRATEBEN INC3 Filed as: STRATEBEN, INC | 4720 MONTGOMERY LANE STE 500 BETHESDA, MD 208143683 | VISION SERVICE PLAN | $139 | $0 | $139 | 1.21% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $122 | $0 | $122 | 1.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE ADMINISTRATORS EIN 23-2184623 ADMIN | Claims processing Service code 12 | — | $84K |
| TRINITY BENEFIT ADVISORS BROKER | Insurance agents and brokers Service code 22 | 660 AMERICAN AVE. SUITE 101 KING OF PRUSSIA, PA 19406 | $46K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $28K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ADMIN. | Claims processing Service code 12 | — | $17K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $10K |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 143 | $12K |
| Life insurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $44K |
| Short-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $44K |
| Long-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $44K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 149 | $236K |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.