| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | INDEPENDENCE BLUE CROSS | $81K | — | $81K | 5.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | KEYSTONE | $32K | — | $32K | 5.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD SUITE 510 RADNOR, PA 19087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $2K | $10K | 10.98% |
| UNKNOWN3 | UNKNOWN WAYNE, PA 19087 | FLEXIBLE BENEFITS PLANS, INC. | $6K | — | $6K | 7.00% |
| SHELLY J. CAMPO3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $1K | $146 | $1K | 8.19% |
| MJ INSURANCE3 Filed as: BRANDT, INC. AND VARIOUS AGENTS | 3111 EXPRESSO WAY YORK, PA 17406 | AFLAC | $436 | $58 | $494 | 2.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | AFLAC | $348 | — | $348 | 1.98% |
| TIMOTHY E MILLER3 Filed as: TIMOTHY E. MILLER | 604 HARVEST DRIVE DALLASTOWN, PA 17313 | AFLAC | $301 | — | $301 | 1.72% |
| DAVID W BRANDT3 Filed as: DAVID W. BRANDT | 46 WINDSOR WAY RED LION, PA 17356 | AFLAC | $241 | — | $241 | 1.37% |
| DAVID R PONTA3 Filed as: DAVID R. PONTA | 145 SOUTH DUKE STREET, SUITE B YORK, PA 17401 | AFLAC | $159 | — | $159 | 0.91% |
| JEFFREY CHUBB3 | 520 WEST 4TH STREET, SUITE 1A WILLIAMSPORT, PA 17701 | AFLAC | $156 | — | $156 | 0.89% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 206 | $1.9M |
| Dental(2 contracts, 2 carriers) | FLEXIBLE BENEFITS PLANS, INC. | 107 | $100K |
| Vision | INDEPENDENCE BLUE CROSS | 206 | $1.4M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 178 | $94K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 178 | $94K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 206 | $1.9M |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 182 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.