| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE MOUNT LAUREL, NJ 08054 | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 1.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 350 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $27K | $87 | $27K | 14.96% |
| MELISSA S LYNCH3 Filed as: MELISSA LYNCH | 507 AUGUSTA DRIVE ARNOLD, MD 21012 | AFLAC | $4K | $135 | $4K | 4.80% |
| MATTHEW W EVANS3 Filed as: MATTHEW EVANS | 1344 ASHTON ROAD, SUITE 200 HANOVER, MD 21076 | AFLAC | $3K | $158 | $4K | 3.89% |
| MORGAN STANLEY INS SERVICES INC3 Filed as: MORGAN STANLEY INS. SERVICES, INC. | 700 PLAZA TWO, 7TH FLOOR JERSEYCITY, NJ 07311 | AFLAC | $3K | $0 | $3K | 2.85% |
| DREW SKIBITSKY3 | 1000 FELL STREET, SUITE 627 BALTIMORE, MD 21231 | AFLAC | $2K | $84 | $2K | 2.29% |
| MJ INSURANCE3 Filed as: JOHN COLBURN AND VARIOUS AGENTS | 5848 WESTWOOD AVENUE BALTIMORE, MD 21206 | AFLAC | $2K | $0 | $2K | 1.99% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE MORNINGSTAR | 11285 DOVEDALE COURT, 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $873 | $0 | $873 | 0.96% |
| KANDIS PERRY3 | 1344 ASHTON ROAD, SUITE 200 HANOVER, MD 21076 | AFLAC | $810 | $0 | $810 | 0.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE MOUNT LAUREL, NJ 08054 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.93% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | $0 | $147 | $147 | 18.19% |
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 | 412 | 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) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 970 | $226K |
| Vision | VISION SERVICE PLAN | 353 | $44K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 422 | $184K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 422 | $184K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 422 | $184K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 422 | $275K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 970 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.