| 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 | $87K | $0 | $87K | 4.05% |
| MAVEN BENEFITS PARTNERS3 | 366 ARBOR CIRCLE MEDIA, PA 19063 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $1K | $25K | 20.06% |
| MAVEN BENEFITS PARTNERS3 | 366 ARBOR CIR MEDIA, PA 19063 | STARMOUNT LIFE INSURANCE COMPANY | $11K | $841 | $12K | 10.71% |
| SMOLIZZA, STEPHEN M3 | 2200 NORTHERN BLVD, SUITE 200 EAST HILLS, NY 11548 | STARMOUNT LIFE INSURANCE COMPANY | $46 | $0 | $46 | 0.04% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY, AN ALERA GROUP | 155 PINELAWN ROAD SUITE 120 SOUTH MELVILLE, NY 11747 | STARMOUNT LIFE INSURANCE COMPANY | $23 | $0 | $23 | 0.02% |
| NY LIFE SECURITIES LLC3 | ATTN MARK BADLU 51 MADISON AVENUE, ROOM 251 NEW YORK, NY 10010 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $3 | $3 | 0.00% |
| MAVEN BENEFITS PARTNERS3 | 366 ARBOR CIRCLE MEDIA, PA 19063 | UNUM INSURANCE COMPANY | $3K | $148 | $3K | 15.75% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 150 | $113K |
| Vision | INDEPENDENCE BLUE CROSS | 237 | $2.2M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $126K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $126K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $126K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 237 | $2.2M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.