| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AETNA LIFE INSURANCE CO. | $85K | $9K | $94K | 4.46% |
| JAMES A BRISTOW3 Filed as: JAMES A. BRISTOW | 712 POMONA ROAD CINNAMINSON, NJ 08077 | STANDARD INSURANCE COMPANY | $24K | — | $24K | 18.00% |
| JAMES A BRISTOW3 Filed as: JAMES BRISTOW | 712 POMONA ROAD CINNAMINSON, NJ 08077 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.13% |
| JAMES A BRISTOW3 Filed as: JAMES A. BRISTOW | 712 POMONA ROAD CINNAMINSON, NJ 08077 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.35% |
| MEREDITH P CONLON3 | PO BOX 402 BRIDGEPORT, PA 19405 | AFLAC | $643 | $47 | $690 | 3.35% |
| BCG SECURITIES INC.3 | 600 DELRAN PKWY STE B DELRAN, NJ 08075 | AFLAC | $455 | — | $455 | 2.21% |
| MICHAEL P NORRIS3 | 283 SWEET TEA LN FREEPORT, FL 32439 | AFLAC | $251 | — | $251 | 1.22% |
| JOHN R NORRIS3 | 32782 BRIDGEWAY DR E LEWES, DE 19958 | AFLAC | $225 | — | $225 | 1.09% |
| ASSUREDPARTNERS3 Filed as: MAIN LINE BEENFIT SOLUTIONS LLC | 1405 LARKSPUR LN MALVERN, PA 19355 | AFLAC | $157 | — | $157 | 0.76% |
| JAMES A BRISTOW3 | 712 POMONA RD CINNAMINSON, NJ 08077 | AFLAC | $102 | — | $102 | 0.50% |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $84 | — | $84 | 0.41% |
| BONNIE DROBNES3 | 118 BEAUMONT PL LOWER GWYNEDD, PA 19002 | AFLAC | $54 | $11 | $65 | 0.32% |
| MEGAN DANCEL3 | 25261 LARCH ST NW ISANTI, MN 55040 | AFLAC | $41 | $11 | $52 | 0.25% |
| RANDALL D NAFTAL3 | 2 STATION SQ, STE 201 37 NORTH VALLEY ROAD PAOLI, PA 19301 | AFLAC | $48 | — | $48 | 0.23% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $39 | — | $39 | 0.19% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $30 | — | $30 | 0.15% |
| MEL M WEISS3 | 308 W RIDGE PIKE LIMERICK, PA 19468 | AFLAC | $19 | — | $19 | 0.09% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES INC. | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $17 | — | $17 | 0.08% |
| MARLENE LIVINGSTONE3 | 116 TURNER RD WALLINGFORD, PA 19086 | AFLAC | $15 | — | $15 | 0.07% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $11 | — | $11 | 0.05% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $10 | — | $10 | 0.05% |
| PAUL S STEIN3 Filed as: PAUL STEIN | 415 LEAH DR FORT WASHINGTON, PA 19034 | AFLAC | $7 | — | $7 | 0.03% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NC 08037 | AFLAC | $7 | — | $7 | 0.03% |
| DIANE L MARTIN3 | 2230 CAROLINE LN HARRISBURG, PA 17110 | AFLAC | $6 | — | $6 | 0.03% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $5 | — | $5 | 0.02% |
| CHRISTOPHER A LUPP3 | 5010 E TRINDLE RD STE 201 MECHANICSBURG, PA 17050 | AFLAC | $5 | — | $5 | 0.02% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $5 | — | $5 | 0.02% |
| IRENE E BROOKS3 | 19 NORFOLK LN LEBANON, PA 17042 | AFLAC | $3 | — | $3 | 0.01% |
| KEVIN M SMITH3 | 3049 DORCHESTER ST E #109 FURLONG, PA 18925 | AFLAC | $1 | — | $1 | 0.00% |
| LISA J SEPESI3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $1 | — | $1 | 0.00% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 209 | $2.1M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 209 | $2.1M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 209 | $2.1M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 153 | $51K |
| Short-term disability | AFLAC | 16 | $21K |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 154 | $162K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 209 | $2.1M |
| Other(5 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 209 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.