| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA, INC. | 125 E ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $77K | $0 | $77K | 2.36% |
| ALPHA BENEFITS GROUP INC3 | 125 E ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | HARTFORD LIFE AND ACCIDENT | $11K | $213 | $11K | 6.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA, INC. | 125 E ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $0 | $2K | 5.06% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN. SERV. | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | UNITED CONCORDIA INSURANCE COMPANY | $1K | $0 | $1K | 4.89% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 194 | $3.3M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 72 | $30K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 194 | $3.3M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 140 | $170K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 140 | $170K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 140 | $170K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 194 | $3.3M |
| Other | HARTFORD LIFE AND ACCIDENT | 140 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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."
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.