| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 350 MOUNT LAUREL, NJ 08054 | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 1.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 350 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $29K | $0 | $29K | 14.82% |
| MATTHEW W EVANS3 Filed as: MATTHEW W. EVANS | 1344 ASHTON ROAD, SUITE 200 HANOVER, MD 21076 | AFLAC | $2K | $127 | $2K | 2.99% |
| MELISSA S LYNCH3 Filed as: MELISSA S. LYNCH | 507 AUGUSTA DRIVE ARNOLD, MD 21012 | AFLAC | $2K | $254 | $2K | 2.85% |
| MJ INSURANCE3 Filed as: KANDIS PERRY AND VARIOUS AGENTS | 1344 ASHTON ROAD, SUITE 200 HANOVER, MD 21076 | AFLAC | $2K | $61 | $2K | 2.82% |
| MORGAN STANLEY INS SERVICES INC3 Filed as: MORGAN STANLEY INS. SERVICES, INC. | 700 PLAZA TWO, 7TH FLOOR JERSEY CITY, NJ 07311 | AFLAC | $1K | $0 | $1K | 1.64% |
| DREW SKIBITSKY3 | 1000 FELL STREET, SUITE 627 BALTIMORE, MD 21231 | AFLAC | $853 | $185 | $1K | 1.54% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE D. MORNINGSTAR | 11285 DOVEDALE COURT, 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $607 | $0 | $607 | 0.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $276 | $0 | $276 | 0.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE MOUNT LAUREL, NJ 08054 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.84% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | $0 | $141 | $141 | 17.45% |
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 | 392 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 941 | $225K |
| Vision | VISION SERVICE PLAN | 390 | $47K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 466 | $194K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 466 | $194K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 466 | $194K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 466 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 941 | — |
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.