| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 66 ROUTE 17 PARAMUS, NJ 07652 | AMERIHEALTH INSURANCE COMPANY | — | — | $0 | 0.00% |
| RICHARD D LAVER3 | 906 SWEDESFORD RD LOWER GWNEDD, PA 19002 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 7.95% |
| ANTHONY SANTISI3 | 16 CAMPUS BOULEVARD NEWTOWN SQUARE, PA 19073 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 3.45% |
| RICHARD D LAVER3 | 906 SWEDESFORD RD LOWER GWNEDD, PA 19002 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 12.63% |
| ANTHONY SANTISI3 | 16 CAMPUS BOULEVARD NEWTOWN SQUARE, PA 19073 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 7.99% |
| RICHARD D LAVER3 | 906 SWEDESFORD RD LOWER GWNEDD, PA 19002 | STANDARD INSURANCE COMPANY | $674 | — | $674 | 12.11% |
| ANTHONY SANTISI3 | 16 CAMPUS BOULEVARD NEWTOWN SQUARE, PA 19073 | STANDARD INSURANCE COMPANY | $417 | — | $417 | 7.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH INSURANCE SOLUTIONS, INC. EIN 42-1566445 TPA | Insurance services Service code 23 | — | $21K |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERIHEALTH INSURANCE COMPANY | 83 | $1.5M |
| Vision | AMERIHEALTH INSURANCE COMPANY | 83 | $1.5M |
| Life insurance | STANDARD INSURANCE COMPANY | 143 | $61K |
| Short-term disability | STANDARD INSURANCE COMPANY | 11 | $6K |
| Long-term disability | STANDARD INSURANCE COMPANY | 112 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
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.