| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP, INC. | 100 QUANNAPOWITT PARKWAY, SUITE 104 WAKEFIELD, MA 01880 | DELTA DENTAL OF NJ, INC. | $3K | — | $3K | 4.20% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BNFTS ADMINISTRATION | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.10% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP, LLC | 77 ACCORD PARK DRIVE, SUITE B1 NORWELL, MA 02061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $649 | — | $649 | 2.33% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, INC. | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.10% |
| ALFRED HEALY3 | 811 BETHLEHEM PIKE GLENSIDE, PA 19038 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.00% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP, LLC | 77 ACCORD PARK DRIVE, SUITE B1 NORWELL, MA 02061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $589 | — | $589 | 3.00% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 27 | $28K |
| Dental | DELTA DENTAL OF NJ, INC. | 182 | $79K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 60 | $20K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 27 | $28K |
| Prescription drug | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 27 | $28K |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 60 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.