| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS GRP OF HAUDENSCHIELD HARRI3 | 27 JOHNSON RD CLARKS SUMMIT, PA 18411 | HIGHMARK INC. | $10K | — | $10K | 1.80% |
| THE BENEFITS GROUP OF HAUDENSCHIELD3 | 27 JOHNSON RD CLARKS SUMMIT, PA 18411 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 11.92% |
| MEGAN R SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | AFLAC | $6K | $26 | $6K | 14.71% |
| BENEFITS GRP OF HAUDENSCHIELD HARRI3 | 27 JOHNSON RD CLARKS SUMMIT, PA 18411 | AFLAC | $6K | — | $6K | 14.64% |
| RACHEL PENNINGTON3 | 16 WESTMINSTER DR BERLIN, MD 21811 | AFLAC | $4K | — | $4K | 9.76% |
| JOSEPH B MCGINTY JR3 | 1150 GLENLIVET DR STE A13 ALLENTON, PA 18106 | AFLAC | $2K | — | $2K | 5.28% |
| WENDY M BOONE3 | 1901 SEIPSTOWN RD FOGELSVILLE, PA 18051 | AFLAC | $986 | — | $986 | 2.59% |
| DENTON E QUICK3 | 2202 WELLINGTON BLVD WYOMISSING, PA 19610 | AFLAC | $717 | — | $717 | 1.89% |
| MEGAN R SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $314 | — | $314 | 18.81% |
| THE BENEFITS GROUP OF HAUDENSCHIELD3 | 27 JOHNSON RD CLARKS SUMMIT, PA 18411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $255 | — | $255 | 15.28% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH BRENDAN MCGINTY | 1386 MOHR CIR MACUNGIE, PA 18062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | — | $176 | 10.55% |
| RACHEL PENNINGTON3 | 16 WESTMINSTER DR BERLIN, MD 21811 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 7.91% |
| WENDY M BOONE3 | 1901 SEIPSTOWN RD FOGELSVILLE, PA 18051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 4.31% |
| ADAM MAGGIO3 | 1025 MAXWELL LN HOBOKEN, NJ 07030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $17 | $59 | 3.54% |
| MEGAN R SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $241 | — | $241 | 19.26% |
| THE BENEFITS GROUP OF HAUDENSCHIELD3 | 27 JOHNSON RD CLARKS SUMMIT, PA 18411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $205 | — | $205 | 16.39% |
| WENDY M BOONE3 | 1901 SEIPSTOWN RD FOGELSVILLE, PA 18051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 8.47% |
| RACHEL PENNINGTON3 | 16 WESTMINSTER DR BERLIN, MD 21811 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | — | $101 | 8.07% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH BRENDAN MCGINTY | 1386 MOHR CIR MACUNGIE, PA 18062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 6.71% |
| ADAM MAGGIO3 | 1025 MAXWELL LN HOBOKEN, NJ 07030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $13 | $45 | 3.60% |
| MEGAN R SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | — | $193 | 18.74% |
| THE BENEFITS GROUP OF HAUDENSCHIELD3 | 27 JOHNSON RD CLARKS SUMMIT, PA 18411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | — | $153 | 14.85% |
| WENDY M BOONE3 | 1901 SEIPSTOWN RD FOGELSVILLE, PA 18051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 8.25% |
| RACHEL PENNINGTON3 | 16 WESTMINSTER DR BERLIN, MD 21811 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 7.86% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH BRENDAN MCGINTY | 1386 MOHR CIR MACUNGIE, PA 18062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 6.60% |
| ADAM MAGGIO3 | 1025 MAXWELL LN HOBOKEN, NJ 07030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $11 | $36 | 3.50% |
| MEGAN R SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | — | $172 | 18.98% |
| THE BENEFITS GROUP OF HAUDENSCHIELD3 | 27 JOHNSON RD CLARKS SUMMIT, PA 18411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | — | $140 | 15.45% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH BRENDAN MCGINTY | 1386 MOHR CIR MACUNGIE, PA 18062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | — | $123 | 13.58% |
| RACHEL PENNINGTON3 | 16 WESTMINSTER DR BERLIN, MD 21811 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 8.06% |
| ADAM MAGGIO3 | 1025 MAXWELL LN HOBOKEN, NJ 07030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $9 | $32 | 3.53% |
| WENDY M BOONE3 | 1901 SEIPSTOWN RD FOGELSVILLE, PA 18051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 1.43% |
| MEGAN R SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 18.71% |
| THE BENEFITS GROUP OF HAUDENSCHIELD3 | 27 JOHNSON RD CLARKS SUMMIT, PA 18411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 14.84% |
| WENDY M BOONE3 | 1901 SEIPSTOWN RD FOGELSVILLE, PA 18051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 14.84% |
| RACHEL PENNINGTON3 | 16 WESTMINSTER DR BERLIN, MD 21811 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 7.74% |
| ADAM MAGGIO3 | 1025 MAXWELL LN HOBOKEN, NJ 07030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 3.87% |
| MEGAN R SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 19.77% |
| THE BENEFITS GROUP OF HAUDENSCHIELD3 | 27 JOHNSON RD CLARKS SUMMIT, PA 18411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 19.77% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH BRENDAN MCGINTY | 1386 MOHR CIR MACUNGIE, PA 18062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 15.12% |
| RACHEL PENNINGTON3 | 16 WESTMINSTER DR BERLIN, MD 21811 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 8.14% |
| ADAM MAGGIO3 | 1450 GARDEN ST HOBOKEN, NJ 07030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 3.49% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 174 | $576K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $132K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $132K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $132K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $132K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $132K |
| Prescription drug | HIGHMARK INC. | 174 | $576K |
| Other(8 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.