| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTI GROUP LLC3 Filed as: CHRISTI GROUP, LLC | 550 PINETOWN RD. STE 470 FT WASHINGTON, PA 19034 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $65K | $68K | 4.76% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC NJ NY | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 1.34% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST. FL 6 SAN DIEGO, CA 92101 | UNITEDHEALTHCARE INSURANCE COMPANY | $292 | $6K | $6K | 0.45% |
| CHRISTI GROUP LLC3 Filed as: CHRISTI GROUP, LLC | 320 BICKLEY RD GLENSIDE, PA 19038 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.53% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1285 DRUMMERS LN STE 305 WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $997 | $4K | 1.63% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $6K | $12K | 7.69% |
| CHRISTI GROUP LLC3 | 550 PINETOWN RD STE 470 FT WASHINGTON, PA 19034 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 5.60% |
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY L JOHNSON | 3850 E BASELINE RD STE 121 MESA, AZ 85206 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.83% |
| ALLIANT INSURANCE SERVICES, INC.3 | 331 NEWMAN SPRINGS RD RED BANK, NJ 07701 | PRINCIPAL LIFE INSURANCE COMPANY | $889 | — | $889 | 0.59% |
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 | 211 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 294 | $151K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 294 | $151K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 211 | $266K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 211 | $266K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 294 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.