| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | TWO RADNOR CORPORATE CENTER, SUITE 110 WAYNE, PA 19087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $88K | — | $88K | 12.30% |
| HOLMES MURPHY & ASSOCIATES3 | 1828 WALNUT STREET, SUITE 701 KANSAS CITY, MO 64108 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | — | $31K | 4.28% |
| FAIRMOUNT BENEFITS INC3 Filed as: FAIRMOUNT BENEFITS | TWO RADNOR CORPORATE CENTER, SUITE 110 WAYNE, PA 19087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 1.32% |
| FAIRMONT BENEFITS, INC.3 Filed as: FAIRMONT BENEFITS INC | TWO RADNOR CORPORATE CENTER, SUITE 110 RADNOR, PA 19087 | HARTFORD LIFE AND ACCIDENT | $17K | — | $17K | 8.71% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | — | $13K | $13K | 6.34% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 9207 DES MOINES, IA 50306 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 3.93% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 3.79% |
| FAIRMOUNT BENEFITS INC3 Filed as: FAIRMOUNT BENEFITS INC. | TWO RADNOR CORPORATE CENTER, SUITE 110 WAYNE, PA 19087 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 6.85% |
| HOLMES MURPHY & ASSOCIATES3 | 1828 WALNUT STREET, SUITE 701 KANSAS CITY, MO 64108 | VISION BENEFITS OF AMERICA | $674 | — | $674 | 3.15% |
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 | 442 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 364 | $715K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 364 | $715K |
| Vision | VISION BENEFITS OF AMERICA | 241 | $21K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 666 | $200K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 666 | $200K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 666 | $200K |
| Other | HARTFORD LIFE AND ACCIDENT | 666 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 666 | — |
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."
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.