| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FOLEY INSURANCE AGENCY, INC.3 Filed as: THE FOLEY INSURANCE AGENCY INC | 8 SPRING HOUSE INNOVATION PARK SUITE 202 AMBLET, PA 19002 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | $4K | $34K | 10.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLELLAN AGENCY | PARK 80 WEST PLAZA TWO 250 PEHLE AVE SUITE 400 SADDLE BROOK, NJ 07663 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 6.47% |
| THE FOLEY INSURANCE AGENCY, INC.3 Filed as: THE FOLEY INSURANCE AGENCY INC. | 8 SPRING HOUSE INNOVATION PARK SUITE 202 AMBLER, PA 19002 | DELTA DENTAL OF PENNSYLVANIA | $7K | — | $7K | 5.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY | 250 PEHLE AVE, SUITE 400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF PENNSYLVANIA | $1K | — | $1K | 1.09% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | TOKIO MARINE HCC | $5K | $2K | $6K | 13.31% |
| THE FOLEY INSURANCE AGENCY, INC.3 Filed as: THE FOLEY INSURANCE AGENCY | 8 SPRING HOUSE INNOVATION PARK SUITE 202 LOWER GWYNEDD, PA 19002 | NATIONAL VISION ADMINISTRATORS LLC | $1K | — | $1K | 4.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | NATIONAL VISION ADMINISTRATORS LLC | $287 | — | $287 | 0.85% |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 468 | $322K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 445 | $134K |
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 397 | $34K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 468 | $322K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 468 | $322K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 468 | $322K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 468 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 468 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.