| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT SPECIALIST INC3 Filed as: EMPLOYEE BENEFIT SPECIALIST, INC. | PO BOX 846 PAOLI, PA 19301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 14.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 250 PEHLE AVENUE, SUITE 400 SADDLEBROOK, NJ 07663 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.93% |
| EMPLOYEE BENEFIT SPECIALIST INC3 Filed as: EMPLOYEE BENEFIT SPECIALIST, INC. | UNKNOWN HORSHAM, PA 19044 | DELTA DENTAL OF PENNSYLVANIA | $6K | — | $6K | 4.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | UNKNOWN HORSHAM, PA 19044 | DELTA DENTAL OF PENNSYLVANIA | $694 | — | $694 | 0.50% |
| EMPLOYEE BENEFIT SPECIALISTS3 Filed as: EMPLOYEE BENEFIT SPECIALISTS, INC. | PO BOX 846 PAOLI, PA 19301 | STANDARD INSURANCE COMPANY | $1K | $639 | $2K | 7.25% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | STANDARD INSURANCE COMPANY | $636 | — | $636 | 2.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 250 BEHLE AVENUE WEST, SUITE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $513 | — | $513 | 1.95% |
| EMPLOYEE BENEFIT SPECIALISTS3 Filed as: EMPLOYEE BENEFIT SPECIALISTS, INC. | UNKNOWN HORSHAM, PA 19044 | SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.02% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY | UNKNOWN HORSHAM, PA 19044 | SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 5.01% |
| EMPLOYEE BENEFIT SPECIALIST INC3 Filed as: EMPLOYEE BENEFIT SPECIALIST, INC. | 53 DARBY ROAD PAOLI, PA 19301 | FIDELITY SECURITY LIFE INSURANCE | $409 | — | $409 | 3.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | FIDELITY SECURITY LIFE INSURANCE | $109 | — | $109 | 1.05% |
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 | 510 | 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) | 510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVISORS ASSURANCE COMPANY | 510 | $0 |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 460 | $139K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 193 | $10K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 651 | $51K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 432 | $145K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 432 | $145K |
| Prescription drug | CAPITAL ADVISORS ASSURANCE COMPANY | 510 | $0 |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 651 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 651 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.