| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASTLE BENEFITS CONSULTING GROUP LL3 Filed as: CASTLE BENEFITS CONSULTING GROUP, L | 116 PERCHERON DRIVE SPRING CITY, PA 19475 | AMERITAS LIFE INSURANCE CORP. | $7K | — | $7K | 10.00% |
| CASTLE LAKE INSURANCE LLC3 Filed as: CASTLE BENEFITS CONSULTING GRP LLC | 116 PERCHERON DRIVE SPRING CITY, PA 19475 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| CASTLE LAKE INSURANCE LLC3 Filed as: CASTLE BENEFITS CONSULTING GROUP | — | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 14.11% |
| CASTLE BENEFITS CONSULTING GROUP LL3 | 116 PERCHERON DRIVE SPRING CITY, PA 19475 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 16.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC ENTERPRI | 601 UNION STREET SUITE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | — | $18 | $18 | 0.16% |
| CASTLE LAKE INSURANCE LLC3 Filed as: CASTLE BENEFITS CONSULTING GROUP | — | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 150.26% |
| CASTELLANO, NICHOLAS, FRANCES3 | 116 PERCHERON DRIVE SPRING CITY, PA 19473 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $360 | — | $360 | 12.87% |
| SWEENEY, MICHAEL, J3 | 413 PARTRIDGEBERRY LANE CHESTER SPRINGS, PA 19425 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | -$220 | — | -$220 | -7.86% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 109 | $74K |
| Life insurance(5 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 164 | $136K |
| Short-term disability(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 164 | $120K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 164 | $118K |
| Other(7 contracts, 6 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 164 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.