| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVANS PANCOAST3 | 237 W LANCASTER AVE STE 251 DEVON, PA 193331580 | DELTA DENTAL OF PENNSYLVANIA | $18K | — | $18K | 5.86% |
| EVANS PANCOAST3 | 237 LANCASTER AVENUE, SUITE 251 DEVON, PA 19333 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 6.38% |
| 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 | $110 | $2K | 3.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $823 | -$4 | $819 | 1.08% |
| EVANS PANCOAST3 | 237 LANCASTER AVENUE, SUITE 251 DEVON, PA 19333 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $402 | — | $402 | 0.53% |
| RONALD B SMITH3 | 33 THIRD ST STE G-1 BORDENTOWN, NJ 08505 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $226 | — | $226 | 0.30% |
| CORPORATE SYNERGIES GROUP LLC3 | PO BOX 654118 DALLAS, TX 75265 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $121 | — | $121 | 0.16% |
| LEO E MEDWID3 | 3200 MAGEE ST PHILADELPHIA, PA 19149 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.10% |
| 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 | $3K | — | $3K | 10.00% |
| EVANS PANCOAST3 | 237 LANCASTER AVENUE, SUITE 251 DEVON, PA 19333 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 18.14% |
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 | 520 | 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) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 413 | $312K |
| Vision | VISION SERVICE PLAN | 305 | $34K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 520 | $238K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 177 | $76K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 520 | $134K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 520 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 520 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.