| 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. | $92K | $6K | $98K | 4.33% |
| JAMES A BRISTOW3 Filed as: JAMES A. BRISTOW | 712 POMONA ROAD CINNAMINSON, NJ 08077 | STANDARD INSURANCE COMPANY | $25K | — | $25K | 18.00% |
| JAMES A BRISTOW3 Filed as: JAMES A. BRISTOW | 712 POMONA ROAD CINNAMINSON, NJ 08077 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 7.71% |
| JAMES A BRISTOW3 Filed as: JAMES BRISTOW | 712 POMONA ROAD CINNAMINSON, NJ 08077 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.11% |
| MEREDITH P CONLON3 | PO BOX 402 BRIDGEPORT, PA 19405 | AFLAC | $542 | — | $542 | 3.01% |
| BCG SECURITIES INC.3 | 600 DELRAN PKWY STE B DELRAN, NJ 08075 | AFLAC | $401 | — | $401 | 2.23% |
| MICHAEL P NORRIS3 | 2455 LINENHALL CT COLORADO SPRINGS, CO 80920 | AFLAC | $234 | — | $234 | 1.30% |
| JOHN R NORRIS3 | 32782 BRIDGEWAY DR E LEWES, DE 19958 | AFLAC | $203 | — | $203 | 1.13% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 1405 LARKSPUR LN MALVERN, PA 19355 | AFLAC | $133 | — | $133 | 0.74% |
| JAMES A BRISTOW3 | 712 POMONA RD CINNAMINSON, NJ 08077 | AFLAC | $79 | — | $79 | 0.44% |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $79 | — | $79 | 0.44% |
| BONNIE DROBNES3 | 118 BEAUMONT PL LOWER GWYNEDD, PA 19002 | AFLAC | $49 | — | $49 | 0.27% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $43 | — | $43 | 0.24% |
| RANDALL D NAFTAL3 | 1027 SOUTH ST POTTSTOWN, PA 19464 | AFLAC | $41 | — | $41 | 0.23% |
| MATTHEW G BERGER3 | 10 UNION AVE APT 302 BALA CYNWYD, PA 19004 | AFLAC | $39 | — | $39 | 0.22% |
| MEGAN DANCEL3 | 8735 170TH AVE NW ANOKA, MN 55303 | AFLAC | $32 | — | $32 | 0.18% |
| MEL M WEISS3 | 308 W RIDGE PIKE LIMERICK, PA 19468 | AFLAC | $19 | — | $19 | 0.11% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $11 | — | $11 | 0.06% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL ROAD LAKE GEORGE, NY 12845 | AFLAC | $10 | — | $10 | 0.06% |
| PAUL S STEIN3 | 415 LEAH DR FORT WASHINGTON, PA 19034 | AFLAC | $7 | — | $7 | 0.04% |
| ANGELA MASSARELLI3 Filed as: ANGELA UMOSELLA | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $7 | — | $7 | 0.04% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $5 | — | $5 | 0.03% |
| DIANNE L MARTIN3 | 2230 CAROLINE LN HARRISBURG, PA 17110 | AFLAC | $5 | — | $5 | 0.03% |
| CHRISTOPHER A LUPP3 | 805 BUTLER DR MIDDLETOWN, PA 17057 | AFLAC | $5 | — | $5 | 0.03% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $5 | — | $5 | 0.03% |
| IRENE E BROOKS3 | 19 NORFOLK LN LEBANON, PA 17042 | AFLAC | $3 | — | $3 | 0.02% |
| KEVIN M SMITH3 | 3049 DORCHESTER ST E #109 FURLONG, PA 18925 | AFLAC | $1 | — | $1 | 0.01% |
| MARLEEN LIVINGSTONE3 | 116 TURNER RD WALLINGFORD, PA 19086 | AFLAC | $1 | — | $1 | 0.01% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 218 | $2.3M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 218 | $2.3M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 218 | $2.3M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 161 | $51K |
| Short-term disability | AFLAC | 14 | $18K |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 162 | $174K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 218 | $2.3M |
| Other(5 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 218 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.