| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOWARD LAMPLUGH3 | 230 E. BISHOP HOLLOW ROAD MEDIA, PA 19063 | UNITED AMERICAN INSURANCE COMPANY | $52K | — | $52K | 8.00% |
| HOWARD LAMPLUGH3 | 230 E. BISHOP HOLLOW ROAD MEDIA, PA 19063 | HORIZON HEALTHCARE SERVICES, INC. | $6K | — | $6K | 1.20% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | SUN LIFE ASSURANCE COMPANY OF CANADA | $51K | — | $51K | 10.56% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | HORIZON HEALTHCARE SERVICES, INC. | $9K | — | $9K | 5.00% |
| 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 | 9.01% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 3.86% |
| 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 | 8.99% |
| SEAN P. MCGOVERN3 | BALA FINANCIAL GROUP 1040 KINGS HWY N, SUITE 601 CHERRY HILL, NJ 080341922 | PRINCIPAL LIFE INSURANCE COMPANY | $820 | $159 | $979 | 4.59% |
| HOWARD LAMPLUGH3 Filed as: HOWARD LAMPLUGH III | 230 BISHOP HOLLOW ROAD MEDIA, PA 19063 | PRINCIPAL LIFE INSURANCE COMPANY | $780 | — | $780 | 3.66% |
| THE BROKERS SOURCE LTD3 | ONE FORESTWOOD DRIVE SUITE 111 PITTSBURGH, PA 15237 | PRINCIPAL LIFE INSURANCE COMPANY | $219 | — | $219 | 1.03% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 SUITE C-2 MANASQUAN, NJ 08736 | HYATT LEGAL PLANS | $1K | $131 | $1K | 14.33% |
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 | 963 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,005 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INSURANCE COMPANY | 254 | $646K |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 258 | $184K |
| Vision | VISION SERVICE PLAN | 340 | $54K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,242 | $483K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,242 | $575K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,242 | $504K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 257 | $515K |
| Other(5 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,242 | $639K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,242 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.