| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEWTON ONE LLC DBA NEWTON ONE3 | 131 CONTINENTAL DR STE 206 NEWARK, DE 19713 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 10.63% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE RTE 35 STE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 7.97% |
| GARY A BRADFORD3 | STE 420 200 BELLEVUE PKWY WILMINGTON, DE 19809 | NORTHWESTERN MUTUAL | $323 | $81 | $404 | 0.63% |
| MICHAEL J LAGOWY3 | STE 310 3701 CORPORATION PKWY CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $323 | $81 | $404 | 0.63% |
| TRS AGENCY LLC3 | 1818 MARKET ST STE 3400 PHILADELPHIA, PA 19103 | NORTHWESTERN MUTUAL | $65 | $8 | $73 | 0.11% |
| JASON ESPENSHADE3 | STE 310 3701 CORPORATE PKWY CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $32 | $12 | $44 | 0.07% |
| GUINAN FNCL GRP LLC3 Filed as: GUINAN FNCL GROUP LLC | SUITE 695 1000 CONTINENTAL DR KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $32 | $4 | $36 | 0.06% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | USABLE LIFE | $5K | — | $5K | 14.39% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $3K | $3K | 6.88% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 16.64% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | HORIZON HEALTHCARE SERVICES, INC. | $1K | — | $1K | 5.25% |
| GARY A BRADFORD3 | STE 420 200 BELLEVUE PKWY WILMINGTON, DE 19809 | NORTHWESTERN MUTUAL | $710 | $179 | $889 | 5.80% |
| MICHAEL J LAGOWY3 | STE 310 3701 CORPORATE PKWY CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $710 | $179 | $889 | 5.80% |
| TRS AGENCY LLC3 | 1818 MARKET ST STE 3400 PHILADELPHIA, PA 19103 | NORTHWESTERN MUTUAL | $142 | $17 | $159 | 1.04% |
| JASON ESPENSHADE3 | STE 310 3701 CORPORATE PKWY CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $71 | $25 | $96 | 0.63% |
| GUINAN FNCL GRP LLC3 | SUITE 695 1000 CONTINENTAL DR KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $71 | $9 | $80 | 0.52% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 117474268 | VISION SERVICE PLAN | $878 | — | $878 | 6.45% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 117474268 | METROPOLITAN LIFE INSURANCE COMPANY | $689 | — | $689 | 6.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | PO BOX 350 CONSHOHOCKEN, PA 194280350 | METROPOLITAN LIFE INSURANCE COMPANY | $20 | — | $20 | 0.18% |
| EJA CAPACITY BENEFIT AGENCY LLC3 | 40 MARCUS DR FL 3 MELVILLE, NY 117474268 | METROPOLITAN LIFE INSURANCE COMPANY | $11 | — | $11 | 0.10% |
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 | 126 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 69 | $24K |
| Vision | VISION SERVICE PLAN | 60 | $14K |
| Life insurance | USABLE LIFE | 126 | $37K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $128K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $177K |
| Other(3 contracts, 3 carriers) | USABLE LIFE | 126 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.