| 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 | $5K | — | $5K | 6.48% |
| ANTHONY SANTISI3 | 16 CAMPUS BOULEVARD NEWTOWN SQUARE, PA 19073 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.72% |
| RICHARD D LAVER3 | 906 SWEDESFORD RD LOWER GWNEDD, PA 19002 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 11.85% |
| ANTHONY SANTISI3 | 16 CAMPUS BOULEVARD NEWTOWN SQUARE, PA 19073 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 7.23% |
| RICHARD D LAVER3 | 906 SWEDESFORD RD LOWER GWNEDD, PA 19002 | STANDARD INSURANCE COMPANY | $575 | — | $575 | 10.16% |
| ANTHONY SANTISI3 | 16 CAMPUS BOULEVARD NEWTOWN SQUARE, PA 19073 | STANDARD INSURANCE COMPANY | $363 | — | $363 | 6.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH INSURANCE SOLUTIONS, INC. EIN 42-1566445 TPA | Insurance services Service code 23 | — | $31K |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERIHEALTH INSURANCE COMPANY | 162 | $1.6M |
| Vision | AMERIHEALTH INSURANCE COMPANY | 162 | $1.6M |
| Life insurance | STANDARD INSURANCE COMPANY | 135 | $35K |
| Short-term disability | STANDARD INSURANCE COMPANY | 11 | $6K |
| Long-term disability | STANDARD INSURANCE COMPANY | 112 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.