| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYONS COMPANIES3 | ONE RIGHTER PARKWAY, SUITE 1 WILMINGTON, DE 19803 | DELTA DENTAL OF PENNSYLVANIA | $8K | — | $8K | 3.49% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $35K | $9K | $44K | 22.56% |
| LYONS COMPANIES3 | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $970 | $13K | 6.48% |
| ENROLLMENT RESOURCES GROUP3 | 233 SOUTH WACKER DRIVE, SUITE 1875 CHICAGO, IL 60603 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 2.96% |
| ASSUREX3 | 175 SOUTH THIRD STREET, SUITE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $116 | $116 | 0.06% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $6K | $35K | 19.76% |
| LYONS COMPANIES3 | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $1K | $13K | 7.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 SOUTH WACKER DRIVE CHICAGO, IL 60606 | TRANSAMERICA LIFE INSURANCE COMPANY | $18K | — | $18K | 13.40% |
| LYONS COMPANIES3 | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | — | $8K | 5.75% |
| LYONS COMPANIES3 | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $4K | — | $4K | 10.00% |
| LYONS COMPANIES3 | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | HEALTHIEST YOU | $4K | — | $4K | 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 | 730 | 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) | 730 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 937 | $228K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 835 | $40K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,105 | $376K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,105 | $197K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,070 | $179K |
| Other(4 contracts, 4 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,105 | $538K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,105 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.