| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $9K | $412 | $9K | 4.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $5K | $2K | $7K | 6.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $7K | $0 | $7K | 8.59% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW J. JUNIKIEWICZ, JR. | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $3K | $251 | $3K | 3.43% |
| LAUNCHPAD BENEFITS SOLUTIONS LLC3 Filed as: LAUNCHPAD BEN. SOL. & OTHER AGENTS | 529 FAYETTE STREET, SUITE 202 CONSHOHOCKEN, PA 19428 | AFLAC | $1K | $88 | $1K | 1.80% |
| ALEX ANTHONY LONGO3 | 171 MEADOWBRROK LANE, SUITE A BROOKHAVEN, PA 19015 | AFLAC | $1K | $57 | $1K | 1.58% |
| SUZANNE DICIOCCIO3 | 933 WILLOW STREET BURLINGTON, NJ 08016 | AFLAC | $650 | $210 | $860 | 1.06% |
| ROBERT O'LEARY3 | 41 ABERDEEN CIRCLE FLEMINGTON, NJ 08822 | AFLAC | $489 | $0 | $489 | 0.61% |
| BETH ANN JUNIKIEWICZ3 | 22 BROOK HOLLOW DRIVE SINKING SPRINGS, PA 19608 | AFLAC | $411 | — | $411 | 0.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HEARTLAND | $3K | $0 | $3K | 10.00% |
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 | 382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 602 | $227K |
| Vision | HEARTLAND | 435 | $25K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 382 | $197K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 382 | $197K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 382 | $116K |
| Prescription drug | CVS PHARMACY, INC. | 382 | $961K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 382 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 602 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.