| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $145K | $4K | $149K | 6.41% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $0 | $4K | $4K | 0.63% |
| MAVEN BENEFITS PARTNERS3 | 366 ARBOR CIR MEDIA, PA 19063 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $2K | $27K | 16.27% |
| ECBM LP3 Filed as: ECBM, LP | SUITE 5025 1400 N. PROVIDENCE RD MEDIA, PA 19063 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.00% |
| CENTRO BENEFITS RESEARCH LLC3 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.83% |
| MAVEN BENEFITS PARTNERS3 | 366 ARBOR CIR MEDIA, PA 19063 | STARMOUNT LIFE INSURANCE COMPANY | $11K | $2K | $12K | 9.63% |
| ECBM LP3 Filed as: ECBM, LP | 1400 N PROVIDENCE RD STE 5025 MEDIA, PA 19063 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 1.65% |
| CENTRO BENEFITS RESEARCH LLC3 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.83% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $0 | $4K | $4K | 9.71% |
| MAVEN BENEFITS PARTNERS3 | 366 ARBOR CIR MEDIA, PA 19063 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $392 | $4K | 13.88% |
| ECBM LP3 Filed as: ECBM, LP | 1400 N PROVIDENCE RD STE 5025 MEDIA, PA 19063 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $724 | — | $724 | 2.45% |
| CENTRO BENEFITS RESEARCH LLC3 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $241 | $241 | 0.81% |
| MAVEN BENEFITS PARTNERS3 | 366 ARBOR CIR MEDIA, PA 19063 | UNUM INSURANCE COMPANY | $3K | $347 | $4K | 13.76% |
| ECBM LP3 Filed as: ECBM, LP | 1400 N PROVIDENCE RD STE 5025 MEDIA, PA 19063 | UNUM INSURANCE COMPANY | $685 | — | $685 | 2.51% |
| CENTRO BENEFITS RESEARCH LLC3 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | $0 | $228 | $228 | 0.83% |
| MAVEN BENEFITS PARTNERS3 | 366 ARBOR CIR MEDIA, PA 19063 | UNUM INSURANCE COMPANY | $2K | $227 | $2K | 14.58% |
| ECBM LP3 Filed as: ECBM, LP | SUITE 5025 1400 N. PROVIDENCE RD MEDIA, PA 19063 | UNUM INSURANCE COMPANY | $294 | — | $294 | 1.85% |
| CENTRO BENEFITS RESEARCH LLC3 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | $0 | $98 | $98 | 0.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 NONE | Contract Administrator Service code 13 | — | $4K |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 287 | $2.4M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 179 | $127K |
| Vision | INDEPENDENCE BLUE CROSS | 287 | $40K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 207 | $194K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 207 | $165K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 207 | $165K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 287 | $606K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 207 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.