| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE | 521 W MAIN ST LANSDALE, PA 19446 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 5.01% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE LLC | 521 W MAIN ST PO BOX 391 LANSDALE, PA 19446 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.01% |
| BENEFITMALL3 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $940 | $940 | 3.01% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE LLC | 521 W MAIN ST PO BOX 391 LANSDALE, PA 19446 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.32% |
| BENEFITMALL3 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $745 | $745 | 3.02% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE, LLC | 521 W MAIN ST PO BOX 391 LANSDALE, PA 19446 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.02% |
| BENEFITMALL3 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $625 | $625 | 3.01% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP, LLC | 203 MARKET ST #201 HAVRE DE GRACE, MD 21078 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 7.33% |
| UNIVEST INSURANCE INC3 | 423 NORTH MAIN STREET DOYLESTOWN, PA 18091 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $699 | $0 | $699 | 3.44% |
| FINANCIAL BALANCE GROUP LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | $0 | $7 | 0.03% |
| UNIVEST INSURANCE INC3 | 521 W MAIN ST LANSDALE, PA 19446 | UNITED HEALTHCARE INSURANCE COMPANY | $910 | $0 | $910 | 10.04% |
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 | 362 | 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) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 164 | $96K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 110 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 331 | $21K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 41 | $25K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 331 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.