| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVANS PANCOAST3 | 237 WEST LANCASTER AVENUE SUITE 251 DEVON, PA 19333 | DELTA DENTAL OF PENNSYLVANIA | $16K | $0 | $16K | 3.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | DELTA DENTAL OF PENNSYLVANIA | $15K | $0 | $15K | 3.45% |
| CCI COMPASS LLC3 Filed as: CCI COMPASS, LLC | 721 ARBOR WAY, SUITE 180 HILLCREST II BLUE BELL, PA 19422 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 5.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 4.94% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $284 | $284 | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | VISION SERVICE PLAN | $3K | $0 | $3K | 3.00% |
| EVANS PANCOAST3 | 237 WEST LANCASTER AVENUE SUITE 251 DEVON, PA 19333 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.97% |
| CCI COMPASS LLC3 Filed as: CCI COMPASS, LLC | 721 ARBOR WAY, SUITE 180 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $589 | $73 | $662 | 14.90% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $220 | $30 | $250 | 5.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $167 | $54 | $221 | 4.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9 | $9 | 0.20% |
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 | 735 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 745 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,132 | $440K |
| Vision | VISION SERVICE PLAN | 557 | $100K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 743 | $206K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 10 | $4K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 743 | $206K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 743 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,132 | — |
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.