| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MEGRO CORPORATION3 | ONE WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | GEISINGER HEALTH PLAN | $29K | — | $29K | 3.00% |
| THE MEGRO CORPORATION3 | ONE WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.51% |
| HARRISON BENEFIT SERVICES LLC3 | BOX 1431 KINGSTON, PA 18704 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $323 | — | $323 | 0.41% |
| THE MEGRO CORPORATION3 | ONE WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $700 | — | $700 | 5.18% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 207 NORTH ABERDEEN AVENUE WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $386 | — | $386 | 2.86% |
| DANIELLE M MCCLAIN3 | 142 BROOKFIELD COURT DOWNINGTOWN, PA 19335 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $238 | — | $238 | 1.76% |
| GARY D DAVIS3 | 1 ARCTURUS DRIVE SEWELL, NJ 08080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.39% |
| ARDENA L MCVICKER3 Filed as: ARDENA MCVICKER | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $9 | $23 | 0.17% |
| BRENT L GOODE3 Filed as: BRENT MCVICKER | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $2 | $18 | 0.13% |
| BENECHOICE ENROLLMENT SOLUTIONS3 Filed as: BENECHOICE ENROLLMENT SOLUTIONS INC | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $5 | $9 | 0.07% |
| PETER TURSI3 | 3337 E ORVILLA ROAD HATFIELD, PA 19440 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.03% |
| MARK J WEISHAAR3 Filed as: MARK WEISHAAR | 12 ANTHONY DRIVE MALVERN, PA 19355 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.02% |
| BROKERAGE CONCEPTS INC3 | PO BOX 742 BLUE BELL, PA 19422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| T NASH SKILES INC3 Filed as: T NASH SKILES | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.01% |
| KERRY THERESA CONNOR3 | 207 NORTH ABERDEEN AVENUE WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| THE MEGRO CORPORATION3 | ONE WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | THE UNION LABOR LIFE INSURANCE COMPANY | $934 | — | $934 | 7.81% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GEISINGER HEALTH PLAN | 181 | $967K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $78K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $78K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $90K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 166 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.