| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE SERVICES | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $137K | $0 | $137K | 33.98% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $52K | $52K | 13.00% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AENUE S, 4TH FL ISELIN, NJ 08830 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | $0 | $23K | 11.41% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16, STE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $0 | $19K | 9.60% |
| CORPORATE BENEFITS ALLIANCE3 | NOT PROVIDED BERWYN, PA 19312 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $0 | $15K | 7.55% |
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 | 475 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 314 | $403K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 314 | $403K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 314 | $403K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 415 | $201K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 415 | $201K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 415 | $201K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 415 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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.