| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY A. SUMNER3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $60K | $0 | $60K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89K | $0 | $89K | 21.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $582 | $0 | $582 | 0.14% |
| MATTHEW T O'HANLON3 Filed as: MATTHEW T. O'HANLON | 101 WEST ELM STREET, SUITE 420 CONSHOHOCKEN, PA 19428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $462 | $0 | $462 | 0.11% |
| ERIC R MACDOUGALL3 Filed as: ERIC R. MACDOUGALL | 1 NESHAMINY INTERPLEX DRIVE SUITE 201 FEASTERVILLE-TREVOSE, PA 19053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $210 | $0 | $210 | 0.05% |
| STEPHANIE A CANFIELD3 Filed as: STEPHANIE A. CANFIELD | 1 NESHAMINY INTERPLEX DRIVE SUITE 201 TREVOSE, PA 19053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $178 | $0 | $178 | 0.04% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | ALIGHT SOLUTIONS LLC | $11K | $0 | $11K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | TRANSAMERICA LIFE INSURANCE COMPANY | $63K | $0 | $63K | 33.54% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | ARAG INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | HARTFORD LIFE AND ACCIDENT | $501 | $67 | $568 | 17.00% |
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 | 3,629 | 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) | 3,629 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 531 | $161K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,636 | $413K |
| Life insurance(2 contracts, 2 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 3,629 | $1.4M |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 3,629 | $1.2M |
| Other(5 contracts, 5 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 3,629 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,629 | — |
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.