| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BREWER ASSOCIATES INC Filed as: BREWER ASSOCIATES, INC. | 1200 PHILADELPHIA PIKE, 2ND FLOOR WILMINGTON, DE 19809 | HIGHMARK DELAWARE - BLUE CROSS BLUE SHIELD | $67K | — | $67K | 4.00% |
| THE BREWER ASSOCIATES INC3 | 1200 PHILADELPHIA PIKE, 2ND FLOOR WILMINGTON, DE 19809 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | — | $18K | 14.80% |
| THE BREWER ASSOCIATES INC3 | 1200 PHILADELPHIA PIKE, 2ND FLOOR WILMINGTON, DE 19809 | DOMINION DENTAL SERVICES | $10K | — | $10K | 13.73% |
| THE BREWER ASSOCIATES INC3 | 1200 PHILADELPHIA PIKE, 2ND FLOOR WILMINGTON, DE 19809 | DOMINION DENTAL SERVICES - VISION | $2K | — | $2K | 15.00% |
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 | 287 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK DELAWARE - BLUE CROSS BLUE SHIELD | 397 | $1.7M |
| Dental | DOMINION DENTAL SERVICES | 31 | $76K |
| Vision | DOMINION DENTAL SERVICES - VISION | 123 | $14K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 465 | $120K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 465 | $120K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 465 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 465 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.