| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY A BRADFORD3 | 1818 MARKET ST STE 3400 PHILADELPHIA, PA 19103 | NORTHWESTERN MUTUAL | $6K | $1K | $7K | 3.89% |
| TSR AGENCY LLC3 | 1818 MARKET ST STE 3400 PHILEDELPHIA, PA 19103 | NORTHWESTERN MUTUAL | $1K | $136 | $1K | 0.70% |
| MICHAEL J LAGOWY3 | STE 310 3701 CORPORATE PKWY CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $154 | $39 | $193 | 0.11% |
| JASON ESPENSHADE3 | STE 310 3701 CORPORATE PKWY CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $15 | $6 | $21 | 0.01% |
| GUINAN FNCL GRP LLC3 | SUITE 695 1000 CONTINENTAL DR KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $15 | $2 | $17 | 0.01% |
| GARY A BRADFORD3 Filed as: GARY BRADFORD | 1818 MARKET ST STE 3400 PHILADELPHIA, PA 19103 | NORTHWESTERN MUTUAL | $2K | $597 | $3K | 7.92% |
| TRS AGENCY LLC3 | 1818 MARKET ST STE 3400 PHILADEPHIA, PA 19103 | NORTHWESTERN MUTUAL | $474 | $57 | $531 | 1.42% |
| MICHAEL J LAGOWY3 | STE 310 3701 CORPORATE PKWY CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $128 | $32 | $160 | 0.43% |
| JASON ESPENSHADE3 | STE 310 3701 CORPORATE PKWY CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $13 | $5 | $18 | 0.05% |
| GUINAN FNCL GRP LLC3 | SUITE 695 1000 CONTINENTAL DR KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $13 | $2 | $15 | 0.04% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SRV | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | USABLE LIFE | $6K | — | $6K | 15.84% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $3K | $3K | 7.58% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HORIZON HEALTHCARE SERVICES, INC. | $1K | — | $1K | 5.16% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 117474268 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.78% |
| EJA/CAPACITY BENEFITS AGENCY, LLC3 Filed as: EJA CAPACITY BENEFITS AGENCY LLC | 40 MARCUS DR FL 3 MELVILLE, NY 117474268 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA | PO BOX 350 CONSHOHOCKEN, PA 194280350 | METROPOLITAN LIFE INSURANCE COMPANY | $410 | — | $410 | 1.80% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 117474268 | VISION SERVICE PLAN | $890 | — | $890 | 75.36% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS DBA BENEFIT M(2) | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | HORIZON HEALTHCARE DENTAL, INC. | $40 | — | $40 | 5.15% |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 72 | $25K |
| Vision | VISION SERVICE PLAN | 65 | $1K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 118 | $58K |
| Short-term disability | NORTHWESTERN MUTUAL | 119 | $37K |
| Long-term disability | NORTHWESTERN MUTUAL | 119 | $183K |
| Other(3 contracts, 3 carriers) | USABLE LIFE | 118 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.