| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOWARD LAMPLUGH3 | 230 E. BISHOP HOLLOW ROAD MEDIA, PA 19063 | UNITED OF OMAHA | $39K | — | $39K | 5.60% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | SUN LIFE ASSURANCE COMPANY OF CANADA | $53K | — | $53K | 10.52% |
| HOWARD LAMPLUGH3 | 230 E. BISHOP HOLLOW ROAD MEDIA, PA 19063 | HORIZON HEALTHCARE SERVICES, INC. | $6K | — | $6K | 2.06% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | HORIZON HEALTHCARE SERVICES, INC. | $10K | — | $10K | 5.01% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC. | 2399 HIGHWAY 34 UNIT C-2 MANASQUAN, NJ 08736 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 8.34% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 3.57% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | VISION SERVICE PLAN | $4K | — | $4K | 7.50% |
| SEAN MCGOVERN3 | BALA FINANCIAL GROUP, INC. 209 OLD LANCASTER ROAD DEVON, PA 19333 | JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) | $4K | — | $4K | 8.07% |
| SEAN P. MCGOVERN3 | BALA FINANCIAL GROUP 1040 KINGS HWY N, SUITE 601 CHERRY HILL, NJ 080341922 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $517 | $2K | 10.60% |
| HOWARD LAMPLUGH3 Filed as: HOWARD LAMPLUGH III | 230 BISHOP HOLLOW ROAD MEDIA, PA 19063 | PRINCIPAL LIFE INSURANCE COMPANY | $846 | — | $846 | 4.07% |
| THE BROKERS SOURCE LTD3 | ONE FORESTWOOD DRIVE SUITE 111 PITTSBURGH, PA 15237 | PRINCIPAL LIFE INSURANCE COMPANY | $238 | — | $238 | 1.14% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 SUITE C-2 MANASQUAN, NJ 08736 | HYATT LEGAL PLANS | $1K | $522 | $2K | 16.18% |
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 | 1,031 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,063 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED OF OMAHA | 251 | $701K |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 278 | $199K |
| Vision | VISION SERVICE PLAN | 367 | $57K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,232 | $504K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,232 | $595K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,232 | $525K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 252 | $300K |
| Other(5 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,232 | $668K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,232 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.