| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK | 1041 OLD CASSATT ROAD BERWYN, PA 193121152 | STANDARD INSURANCE COMPANY | $16K | $3K | $19K | 6.76% |
| KRONOS SAASHR INC3 | PO BOX 711 C5 PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 0.69% |
| ASSUREDPARTNERS3 Filed as: SIMKISS AND BLOCK | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $27K | $5K | $31K | 14.58% |
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK | 1041 OLD CASSATT RD BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $10K | $3K | $13K | 19.45% |
| ASSUREDPARTNERS3 Filed as: SIMKISS & BLOCK | 1041 OLD CASSATT RD BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $4K | $573 | $5K | 10.52% |
| KRONOS SAASHR INC3 | PO BOX 711, C5 PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | $0 | $315 | $315 | 0.66% |
| ASSUREDPARTNERS3 Filed as: SIMKISS AGENCY | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $122 | $2K | 17.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE SOLUTIONS ADMINISTRATOR, LLC ADMIN | Claims processing Service code 12 | 17 TECHNOLOGY CIRCLE, SUITE E2AG COLUMBIA, SC 29203 | $197K |
| SIMKISS & BLOCK, AN ALERA GROUP AGE EIN 23-1652791 BROKER | Insurance agents and brokers Service code 22 | — | $76K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $64K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $22K |
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 | 472 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 483 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 396 | $287K |
| Vision | STANDARD INSURANCE COMPANY | 327 | $48K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 617 | $216K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 617 | $216K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 617 | $216K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 415 | $418K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 617 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 617 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.