| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA INC | 125 E ELM ST, STE 210 CONSHOHOCKEN, PA 19428 | CIGNA | — | $43K | $43K | 8.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA LP | 601 WALNUT ST, #805 PHILADELPHIA, PA 19106 | CIGNA | — | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF PA LP | 125 E ELM ST, STE 210 CONSHOHOCKEN, PA 19428 | OXFORD HEALTH INSURANCE INC | $10K | — | $10K | 3.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA LP | 125 E ELM ST, STE 210 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF PENNSYLVANIA | $4K | — | $4K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA LP | 125 E ELM ST, STE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $507 | $3K | 17.55% |
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BEENFITS GROUP INC | 125 E ELM ST, STE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA LP | 125 E ELM ST, STE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $271 | $1K | 15.27% |
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BEENFITS GROUP INC | 125 E ELM ST, STE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA LP | 125 E ELM ST, STE 210 CONSHOHOCKEN, PA 19428 | FSL NY | $327 | — | $327 | 5.00% |
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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA | 102 | $775K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 146 | $40K |
| Vision | FSL NY | 132 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 113 | $9K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 113 | $17K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 113 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.