| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $25K | $0 | $25K | 12.04% |
| HEAL0055 | HEALTH INSURANCE SERVICES, INC. 11649 N. PORT WASHINGTON ROAD #224 MEQUON, WI 53092 | TRANSAMERICA INSURANCE CO. | $20K | $0 | $20K | 9.63% |
| JP WARNER ASSOCIATES, INC.3 | 485 DEVON PARK DRIVE SUITE 103 WAYNE, PA 19087 | VISION BENEFITS OF AMERICA | $3K | $0 | $3K | 5.00% |
| JP WARNER ASSOCIATES, INC.3 Filed as: J P WARNER ASSOCIATES, INC. | 485 DEVON PARK DRIVE SUITE 103 WAYNE, PA 19087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| JP WARNER ASSOCIATES, INC.3 Filed as: J P WARNER ASSOCIATES, INC. | 485 DEVON PARK DRIVE SUITE 103 WAYNE, PA 19087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.43% |
| JP WARNER ASSOCIATES, INC.3 | 485 DEVON PARK DRIVE SUITE 103 WAYNE, PA 19087 | COUNTRYWIDE ENTERPRISES, INC. | $3K | $0 | $3K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH STREET SW GRANDVILLE, MI 49418 | FEDERAL INSURANCE CONMPANY | $80 | $19 | $99 | 18.61% |
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 | 520 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 160 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 681 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 221 | $60K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 234 | $29K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 210 | $55K |
| Other(6 contracts, 5 carriers) | TRANSAMERICA INSURANCE CO. | 234 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.