| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAFEGUARD GROUP INC3 Filed as: SAFEGUARD GROUP INC. | 100 GRANITE DR STE 205 MEDIA, PA 190635134 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.90% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | 100 GRANITE DRIVE, # 205 MEDIA, PA 19063 | RELIANCE STANDARD | $1K | $0 | $1K | 10.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10118 | RELIANCE STANDARD | $29 | $0 | $29 | 0.21% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | 100 GRANITE DRIVE, # 205 MEDIA, PA 19063 | RELIANCE STANDARD | $2K | $0 | $2K | 14.73% |
| USI INSURANCE SERVICES LLC3 | 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10118 | RELIANCE STANDARD | $35 | $0 | $35 | 0.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK OF DELAWARE EIN 51-0020405 ADMIN | Claims processing Service code 12 | — | $30K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $25K |
| THE SAFEGUARD GROUP INC. EIN 23-2755894 BROKER | Insurance agents and brokers Service code 22 | — | $25K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $3K |
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 | 51 | 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) | 51 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 99 | $17K |
| Vision | EYEMED | 51 | $4K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 99 | $17K |
| Short-term disability | RELIANCE STANDARD | 79 | $14K |
| Long-term disability | RELIANCE STANDARD | 83 | $13K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 50 | $117K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 99 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.