| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY A BRADFORD3 | STE 420 200 BELLEVUE PKWY WILMINGTON, DE 19809 | NORTHWESTERN MUTUAL | $3K | $743 | $4K | 1.94% |
| MICHAEL J LAGOWY3 | STE 310 3701 CORPORATE PKWY CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $3K | $743 | $4K | 1.94% |
| TRS AGENCY LLC3 | 1818 MARKET ST STE 3400 PHILEDELPHIA, PA 19103 | NORTHWESTERN MUTUAL | $590 | $71 | $661 | 0.35% |
| JASON ESPENSHADE3 | STE 310 3701 CORPORATE PKWY CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $295 | $106 | $401 | 0.21% |
| GUINAN FNCL GRP LLC3 | SUITE 695 1000 CONTINENTAL DR KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $295 | $35 | $330 | 0.17% |
| GARY A BRADFORD3 Filed as: GARY BRADFORD | STE 420 200 BELLEVUE PKWY WILMINGTON, DE 19809 | NORTHWESTERN MUTUAL | $1K | $328 | $2K | 4.07% |
| MICHAEL J LAGOWY3 | STE 310 3701 CORPORATE PKWY CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $1K | $328 | $2K | 4.07% |
| TRS AGENCY LLC3 | 1818 MARKET ST STE 3400 PHILADELPHIA, PA 19103 | NORTHWESTERN MUTUAL | $260 | $31 | $291 | 0.73% |
| JASON ESPENSHADE3 | STE 310 3701 CORPORATE PKWY CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $130 | $47 | $177 | 0.44% |
| GUINAN FNCL GRP LLC3 | SUITE 695 1000 CONTINENTAL DR KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $130 | $16 | $146 | 0.36% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 13.86% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | USABLE LIFE | $5K | — | $5K | 17.23% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $3K | $3K | 8.24% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | HORIZON HEALTHCARE SERVICES, INC. | $1K | — | $1K | 5.13% |
| 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 | 5.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 117474268 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | PO BOX 350 CONSHOHOCKEN, PA 194280350 | METROPOLITAN LIFE INSURANCE COMPANY | $414 | — | $414 | 1.67% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 117474268 | VISION SERVICE PLAN | $889 | — | $889 | 6.40% |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 71 | $27K |
| Vision | VISION SERVICE PLAN | 64 | $14K |
| Life insurance | USABLE LIFE | 121 | $31K |
| Short-term disability | NORTHWESTERN MUTUAL | 122 | $40K |
| Long-term disability | NORTHWESTERN MUTUAL | 122 | $190K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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."
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.