| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG AND BUCKELEW | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | HIGHMARK BLUE SHIELD | $107K | — | $107K | 5.48% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 8.76% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 08101 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 4.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | P.O. BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | -$28 | — | -$28 | -0.02% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNITED CONCORDIA INSURANCE COMPANY | $3K | — | $3K | 3.33% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | VISION BENEFITS OF AMERICA | $2K | — | $2K | 10.00% |
| SHELLY J. CAMPO3 | P.O. BOX 84 GREEN LANE, PA 18054 | AFLAC | $271 | $39 | $310 | 2.90% |
| SJC BUSINESS SERVICES LLC3 | P.O. BOX 84 GREEN LANE, PA 18054 | AFLAC | $217 | — | $217 | 2.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 STE. 308 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $166 | — | $166 | 1.56% |
| DAVID W BRANDT3 | 6908 FOX CHASE RD NEW MARKET, MD 21774 | AFLAC | $112 | — | $112 | 1.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $99 | — | $99 | 0.93% |
| LAUNCHPAD BENEFITS SOLUTIONS LLC3 | 529 FAYETTE ST STE 202 CONSHOHOCKEN, PA 19428 | AFLAC | $81 | $9 | $90 | 0.84% |
| TIMOTHY E MILLER3 | 604 HARVEST DR STE 202 DALLASTOWN, PA 17313 | AFLAC | $89 | — | $89 | 0.83% |
| DAVID R PONTA3 | 145 S DUKE ST STE B YORK, PA 17401 | AFLAC | $72 | — | $72 | 0.67% |
| MICHELLE L THOMAS BRANDT3 | 1135 PLEASANT GROVE RD RED LION, PA 17356 | AFLAC | $58 | — | $58 | 0.54% |
| BRIAN JOSEPH CAMPO3 | 1726 BECKER RD GREEN LANE, PA 18054 | AFLAC | $43 | — | $43 | 0.40% |
| JOSEPH B MCGINTY JR3 | 2202 CROSS CRFEEK RD MACUNGIE, PA 18062 | AFLAC | $32 | — | $32 | 0.30% |
| JUSTIN P ABRAHAM3 | 3841 HIGHPOINT DR ALLENTOWN, PA 18103 | AFLAC | $21 | — | $21 | 0.20% |
| JEFFREY R CAREY3 | 573 BELLEVUE RD STE B NEWARK, DE 19713 | AFLAC | $13 | — | $13 | 0.12% |
| JOSE A SCHIENEMAN3 | 1881 S CARRIAGE LN CHANDLER, AZ 85286 | AFLAC | $12 | — | $12 | 0.11% |
| JEFFREY CHUBB3 Filed as: JEFFREY C CHUBB | 349 W WALNUT TREE DR BLANDON, PA 19510 | AFLAC | $10 | — | $10 | 0.09% |
| SVETLANA ZEITLIN3 | 105 ADDIS DR CHURCHVILLE, PA 18966 | AFLAC | $7 | — | $7 | 0.07% |
| IRENE E BROOKS3 | 19 NORFOLK LN LEBANON, PA 17042 | AFLAC | $6 | — | $6 | 0.06% |
| FREDERICK W WILSON III3 Filed as: FREDERICK WILSON III | 573 BELLEVUE RD NEWARK, DE 19713 | AFLAC | $3 | — | $3 | 0.03% |
| JOSHUA M PINCUS SOKOLOFF3 | 575 S CHARLES ST STE 503 BALTIMORE, MD 21201 | AFLAC | $3 | — | $3 | 0.03% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HIGHMARK BLUE SHIELD | 258 | $2.0M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 255 | $91K |
| Vision | VISION BENEFITS OF AMERICA | 130 | $16K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 214 | $127K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 214 | $116K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 214 | $116K |
| Prescription drug | HIGHMARK BLUE SHIELD | 258 | $2.0M |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 214 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.