| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 2.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | VISION SERVICE PLAN | $2K | — | $2K | 3.82% |
| ADVANCED VOLUNTARY CONCEPTS INC3 Filed as: ADVANCED VOLUNTARY CONCEPTS, INC | 75 SOUTH BROADWAY, SUITE 459-463 WHITE PLAINS, NY 10601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 15.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 8.35% |
| GABOR JOZSEF SZOKOLYAI3 | 42 CHARLOTTE AVENUE SOUTH HAMPTON, PA 18966 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | — | $98 | 0.53% |
| RYAN K GOLDBERG3 Filed as: RYAN K. GOLDBERG | UNKNOWN TRENTON, NJ 08650 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | — | $93 | 0.50% |
| ERIC R MACDOUGALL3 Filed as: ERIC R. MACDOUGALL | ONE NESHAMINY INTERPLEX, SUITE 201 TREVOSE, PA 19053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | — | $84 | 0.45% |
| DARREN D RIDDLE3 Filed as: DARREN D. RIDDLE | 7850 AVONDALE TERRACE HARRISBURG, PA 17112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.25% |
| ANGELA MASSARELLI3 | 432 TUVIRA LANE CHERRY HILL, NJ 08003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.25% |
| GABOR JOZSEF SZOKOLYAI3 | 206 EAST PENNSYLVANIA BOULEVARD FEASTERVILLE TREVOSE, PA 19053 | AFLAC | $309 | — | $309 | 3.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 FELLOWSHIP ROAD, SUITE 201 MOUNT LAUREL, NJ 08054 | AFLAC | $163 | — | $163 | 1.76% |
| JOANNE HARTSOCK3 | 1214 EASTON ROAD, SUITE 100 WARRINGTON, PA 18976 | AFLAC | $139 | — | $139 | 1.50% |
| MARYANE APPLEGATE3 | 1285 EAGLE ROAD NEW HOPE, PA 18938 | AFLAC | $56 | — | $56 | 0.61% |
| ERICK J HJEMBO3 Filed as: ERICK J. HJEMBO | 1309 REVERE ROAD YARDLEY, PA 19067 | AFLAC | $47 | — | $47 | 0.51% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL AND ASSOCIATES INC | ONE NESHAMINY INTERPLEX, SUITE 1 TREVOSE, PA 19053 | AFLAC | $28 | — | $28 | 0.30% |
| MATTHEW G BERGER3 Filed as: MATTHEW G. BERGER AND OTHER AGENTS | 22 SUNNYRIDGE ROAD PHILADELPIA, PA 19125 | AFLAC | $4 | — | $4 | 0.04% |
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. |
| 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) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 40 | $221K |
| Vision | VISION SERVICE PLAN | 201 | $54K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 40 | $221K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 40 | $221K |
| Other(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 93 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.