| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS3 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE COMPANY | $13K | $0 | $13K | 10.92% |
| HEALTH INSURANCE SERVICES3 Filed as: HEALTH INSURANCE SERVICES, INC. | 11649 NORTH PORT WASHINGTON ROAD SUITE 224 MEQUON, WI 53092 | TRANSAMERICA INSURANCE COMPANY | $11K | $0 | $11K | 9.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD RADNOR, PA 19087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.21% |
| JP WARNER ASSOCIATES, INC.3 Filed as: JP WARNER ASSOCIATES INC. | 485 DEVON PARK DRIVE, SUITE 103 WAYNE, PA 19087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 485 DEVON PARK DRIVE, SUITE 103 WAYNE, PA 19087 | VISION BENEFITS OF AMERICA | $2K | $0 | $2K | 3.37% |
| JP WARNER ASSOCIATES, INC.3 Filed as: JP WARNER ASSOCIATES INC. | 485 DEVON PARK DRIVE, SUITE 103 WAYNE, PA 19087 | VISION BENEFITS OF AMERICA | $1K | $0 | $1K | 1.63% |
| UNKNOWN3 | UNKNOWN KENNETT SQUARE, PA 19348 | COUNTRYWIDE ENTERPRISES, INC. | $1K | $0 | $1K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH STREET SW GRANDVILLE, MI 49418 | FEDERAL INSURANCE CONMPANY | $810 | $189 | $999 | 18.50% |
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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 152 | $54K |
| Dental | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 152 | $54K |
| Vision(2 contracts, 2 carriers) | VISION BENEFITS OF AMERICA | 239 | $121K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 264 | $79K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 264 | $79K |
| Prescription drug | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 152 | $54K |
| Other(4 contracts, 4 carriers) | TRANSAMERICA INSURANCE COMPANY | 264 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.