| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEVODAU INS. & BENEFIT STRATEGIES3 | 600 N FRONT ST WORMLEYSBURG, PA 17043 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 3.99% |
| WEVODAU INS. & BENEFIT STRATEGIES3 | 600 N FRONT ST WORMLEYSBURG, PA 17043 | SUN LIFE ASSURANCE COMPANY OF CANADA | $29K | — | $29K | 15.34% |
| RONALD I WOODMANSEE3 | 525 ROUTE 73 N STE 305 MARLTON, NJ 080533422 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | $1K | $7K | 22.26% |
| HARRIS S. FISHMAN3 Filed as: HARRIS S FISHMAN | STE 700 1000 CORPORATE DR FORT LAUDERDALE, FL 333343638 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $600 | $3K | $4K | 11.43% |
| ANTHONY SPATICHIA3 | 2 BALA PLZ STE 901 BAL CYNWYD, PA 190041501 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $2K | $2K | 7.89% |
| MATTHEW COLLINS3 | 43 KENDALL BLVD OAKLYN, NJ 081071511 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $18 | $4 | $22 | 0.07% |
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 | 1,011 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,011 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 341 | $188K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,039 | $434K |
| Long-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,039 | $465K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,039 | $436K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,039 | — |
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.