| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS AND FINANCIAL SER | ONE INTERNATIONAL BOULEVARD MAHWAH, NC 07495 | AETNA LIFE INSURANCE CO. | — | $74K | $74K | 4.79% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 0.68% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS (NJ) | 12404 PARK CENTRAL DR SUITE 400 DALLAS, TX 75251 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 0.28% |
| EDWARD H HATFIELD3 Filed as: EDWARD HATFIELD | 369 CORTLAND AVE HARLEYSVILLE, PA 19438 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 5.38% |
| ED HATFIELD3 Filed as: HATFIELD CAPITAL MANAGEMENT | 515 N. BROAD STREET LANSDALE, PA 19446 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 8.27% |
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 | 294 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 294 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $141K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $141K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $46K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.