| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, STE. 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 9.50% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE | 1240 BROADCASTING ROAD WYOMISSING, PA 19610 | MADISON NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.03% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 669 RIVER DRIVE CENTER II, STE. 305 ELMWOOD PARK, NJ 07407 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.98% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE | 1240 BROADCASTING ROAD WYOMISSING, PA 19610 | KANSAS CITY LIFE INSURANCE COMPANY | $1K | $1K | $2K | 26.51% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, STE. 310 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | — | $774 | $774 | 8.51% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 669 RIVER DRIVE CENTER II, STE. 305 ELMWOOD PARK, NJ 07407 | KANSAS CITY LIFE INSURANCE COMPANY | — | $273 | $273 | 3.00% |
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 | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 521 | $3.5M |
| Vision | VISION BENEFITS OF AMERICA | 261 | $20K |
| Life insurance | MADISON NATIONAL LIFE INSURANCE COMPANY | 259 | $81K |
| Short-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 259 | $81K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 37 | $9K |
| Prescription drug | HIGHMARK INC. | 521 | $3.5M |
| Other | MADISON NATIONAL LIFE INSURANCE COMPANY | 259 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.