| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DR. MOUNT LAUREL, NJ 08054 | INDEPENDENCE ADMINISTRATORS | $66K | — | $66K | 18.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DR., SUITE 350 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE CO. | $25K | $0 | $25K | 14.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DR. MOUNT LAUREL, NJ 080541558 | VISION SERVICE PLAN | $2K | — | $2K | 3.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4000 MIDLANTIC DR. MT. LAUREL, NJ 08054 | FOUR EVER LIFE INS CO. | $361 | $0 | $361 | 14.98% |
| AMERIHEALTH ADMINISTRATORS INC3 Filed as: AMERIHEALTH ADMINISTRATORS | 1901 MARKET STREET, 10TH FLOOR PHILADELPHIA, PA 19103 | FOUR EVER LIFE INS CO. | $0 | $96 | $96 | 3.98% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | $0 | $137 | $137 | 16.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DR. MOUNT LAUREL, NJ 08054 | DELTA DENTAL OF PENNSYLVANIA | $3K | — | $3K | — |
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 | 391 | 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) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE ADMINISTRATORS | 354 | $365K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 357 | $0 |
| Vision | VISION SERVICE PLAN | 358 | $43K |
| Life insurance | AETNA LIFE INSURANCE CO. | 418 | $169K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 418 | $169K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 418 | $169K |
| Prescription drug | INDEPENDENCE ADMINISTRATORS | 354 | $362K |
| Stop-loss / reinsurancereinsurance | INDEPENDENCE ADMINISTRATORS | 354 | $362K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 425 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.