| 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 | 7.89% |
| ANTHONY SANTISI3 | 725 SCOTT LANE WALLINGFORD, PA 19086 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.67% |
| RICHARD D LAVER3 | 906 SWEDESFORD RD LOWER GWNEDD, PA 19002 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 7.84% |
| ANTHONY SANTISI3 | 725 SCOTT LANE WALLINGFORD, PA 19002 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.85% |
| RICHARD D LAVER3 | 906 SWEDESFORD RD LOWER GWNEDD, PA 19002 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.75% |
| ANTHONY SANTISI3 | 725 SCOTT LANE WALLINGFORD, PA 19086 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.05% |
| RICHARD D LAVER3 | 906 SWEDESFORD RD LOWER GWNEDD, PA 19002 | STANDARD INSURANCE COMPANY | $610 | — | $610 | 11.77% |
| ANTHONY SANTISI3 | 725 SCOTT LANE WALLINGFORD, PA 19086 | STANDARD INSURANCE COMPANY | $359 | — | $359 | 6.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH INSURANCE SOLUTIONS, INC. EIN 42-1566445 TPA | Insurance services Service code 23 | 114 WEST BROAD STREET STE A TELFORD, PA 18969 | $10K |
| MARSH & MCLENNAN AGENCY BROKER | Insurance agents and brokers Service code 22 | 510 BANK STREET COMMONS STE 200 CAPE MAY, NJ 08204 | $10K |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERIHEALTH INSURANCE COMPANY | 130 | $1.4M |
| Vision | AMERIHEALTH INSURANCE COMPANY | 130 | $1.4M |
| Life insurance | STANDARD INSURANCE COMPANY | 110 | $32K |
| Short-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 100 | $54K |
| Long-term disability | STANDARD INSURANCE COMPANY | 110 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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."
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.