| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $116K | $7K | $123K | 14.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $17K | $2K | $18K | 10.92% |
| ALL PRO BENEFITS LLC3 Filed as: ALL PRO BENEFITS, LLC | 675 MADISON AVENUE AURORA, OH 44202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | $0 | $16K | 13.96% |
| SANDS CHEVROLET LLC3 Filed as: SANDS CHEVROLET, LLC | 16991 WEST WADDELL ROAD SURPRISE, AZ 85388 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.05% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT PARTNERS, LLC | 200 36TH AVENUE NW, SUITE 720382 NORMAN, OK 73072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.38% |
| LOVITT AND TOUCHE, INC.3 | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $0 | $14K | 15.00% |
| THE NIA GROUP3 | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 3.44% |
| THE LOOMIS COMPANY5 | 850 NORTH PARK AVENUE WYOMISSING, PA 19610 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | $0 | $8K | 127.26% |
| ALLSTATE BENEFITS3 | 1776 AMERICAN HERITAGE LIFE DRIVE JACKSONVILLE, FL 32224 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $763 | $0 | $763 | 12.00% |
| ROBERT PREVITE3 | 675 MADISON AVENUE AURORA, OH 44202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $668 | $0 | $668 | 10.51% |
| SANDS CHEVROLET LLC3 Filed as: SANDS MOTOR COMPANY | 13474 AUTO SHOW AVENUE SURPRISE, AZ 85388 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $286 | $0 | $286 | 4.50% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 326 | $833K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 251 | $169K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 251 | $169K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 237 | $206K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 237 | $90K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 237 | $90K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 326 | $833K |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 326 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.