| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE INC. | 521 WEST MAIN STREET LANSDALE, PA 19446 | AEGIS SECURITY INSURANCE COMPANY | $16K | $0 | $16K | 5.14% |
| CONSOLIDATED BENEFITS INC3 Filed as: CONSOLIDATED BENEFITS INC. | 2500 ELMERTON AVENUE HARRISBURG, PA 17110 | AEGIS SECURITY INSURANCE COMPANY | $7K | $0 | $7K | 2.07% |
| AEGIS GENERAL INSURANCE AGENCY3 Filed as: AEGIS GENERAL INSURANCE AGENCY INC. | 4507 NORTH FRONT STREET, SUITE 200 HARRISBURG, PA 17110 | AEGIS SECURITY INSURANCE COMPANY | $6K | $0 | $6K | 2.00% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE INC. | 521 WEST MAIN STREET LANSDALE, PA 19446 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $0 | $6K | 6.22% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $3K | $3K | 3.56% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE INC. | 521 WEST MAIN STREET LANSDALE, PA 19446 | THE LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $853 | $3K | 12.64% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | THE LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $71 | $71 | 0.26% |
| NORTH AMERICAN BENEFITS COMPANY3 Filed as: NORTH AMERICAN BENEFITS CO. | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 25.54% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 141 | $97K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 141 | $97K |
| Life insurance | THE LIFE INSURANCE COMPANY OF NORTH AMERICA | 169 | $27K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $20K |
| Other(2 contracts, 2 carriers) | AEGIS SECURITY INSURANCE COMPANY | 324 | $345K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.