| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KMRD PARTNERS3 | 2600 KELLY ROAD SUITE 120 WARRINGTON, PA 19876 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 9.31% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $10K | $10K | 4.63% |
| KMRD PARTNERS RISK & INSURANCE SO3 | 780 W GRANADA BOULEVARD ORMOND BEACH, FL 32174 | FIDELIO INSURANCE COMPANY | $9K | $750 | $9K | 10.87% |
| IMAGINE3603 | 12770 MERIT DR DALLAS, TX 75251 | SWISS RE CORPORATE SOLUTIONS AMERICA INSURANCE CORPORATION | $3K | $0 | $3K | 10.00% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 2600 KELLY ROAD SUITE 120 WARRINGTON, PA 18976 | VISION BENEFITS OF AMERICA | $2K | $0 | $2K | 12.43% |
| KRMD PARTNERS INC3 Filed as: KRMD PARTNERS, INC | 2600 KELLY ROAD SUITE 120 WARRINGTON, PA 18976 | VISION BENEFITS OF AMERICA | $382 | $0 | $382 | 2.56% |
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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FIDELIO INSURANCE COMPANY | 205 | $86K |
| Vision | VISION BENEFITS OF AMERICA | 157 | $15K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 295 | $211K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 295 | $211K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 295 | $211K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 295 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.