| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS NORTH AMERICA | 100 MATSONFORD ROAD BLDG 5 STE 200 RADNOR, PA 19087 | DELTA DENTAL OF PENNSYLVANIA | $15K | — | $15K | 5.23% |
| EVANS PANCOAST3 | 237 W LANCASTER AVE STE 251 DEVON, PA 193331580 | DELTA DENTAL OF PENNSYLVANIA | $5K | — | $5K | 1.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC. | 100 ATSONFORD RD RADNOR, PA 190874582 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 6.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $223 | $3K | 3.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | FOUR GATEWAY CTR 444 LIBERTY AVE STE 505 PITTSBURGH, PA 15222 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.07% |
| RONALD B SMITH3 | 33 THIRD ST STE G-1 BORDENTOWN, NJ 08505 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $365 | — | $365 | 0.50% |
| CORPORATE SYNERGIES GROUP LLC3 | PO BOX 654118 DALLAS, TX 75265 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $140 | — | $140 | 0.19% |
| LEO E MEDWID3 | 3200 MAGEE ST PHILADELPHIA, PA 19149 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $127 | — | $127 | 0.18% |
| LEONARD BRODSKY & ASSOCIATES3 Filed as: LEONARD BRODSKY & ASSOCIATES INC | 48 W BRIDGE ST NEW HOPE, PA 18938 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| EVANS PANCOAST3 | 237 W LANCASTER AVE STE 251 DEVON, PA 193331580 | VISION SERVICE PLAN | $813 | — | $813 | 2.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENSYLVANIA INC | 100 MATSONFORD RD BLDG 5 STE 200 RADNOR, PA 190874582 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $205 | $3K | 11.93% |
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 | 474 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 360 | $278K |
| Vision | VISION SERVICE PLAN | 265 | $31K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 474 | $222K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 174 | $72K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 474 | $127K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 474 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 474 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.