| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | FOUR RADNOR CORPORATE CENTER RADNOR, PA 19087 | INDEPENDENCE BLUE CROSS | $72K | $0 | $72K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | FOUR RADNOR CORPORATE CENTER RADNOR, PA 19087 | KEYSTONE | $34K | $0 | $34K | 4.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD FOUR RADNOR CORP. CENTER, SUITE 510 RADNOR, PA 19087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $2K | $11K | 11.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | FOUR RADNOR CORPORATE CENTER RADNOR, PA 19087 | FLEXIBLE BENEFITS PLAN | $3K | $0 | $3K | 3.50% |
| MJ INSURANCE3 Filed as: BRANDT, INC. AND VARIOUS AGENTS | 3111 ESPRESSO WAY YORK, PA 17406 | AFLAC | $617 | $7 | $624 | 3.63% |
| SJC BUSINESS SERVICES LLC3 Filed as: SJC BUSINESS SERVICES, LLC | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $577 | $0 | $577 | 3.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $471 | $0 | $471 | 2.74% |
| BRIAN JOSEPH CAMPO3 | 1726 BECKER ROAD GREEN LANE, PA 18054 | AFLAC | $246 | $19 | $265 | 1.54% |
| TIMOTHY E MILLER3 Filed as: TIMOTHY E. MILLER | 604 HARVEST DRIVE DALLASTOWN, PA 17313 | AFLAC | $237 | $0 | $237 | 1.38% |
| DAVID W BRANDT3 Filed as: DAVID W. BRANDT | 46 WINDSOR WAY RED LION, PA 17356 | AFLAC | $204 | $0 | $204 | 1.19% |
| DAVID R PONTA3 Filed as: DAVID. R. PONTA | 145 SOUTH DUKE STREET, SUITE B YOEK, PA 17401 | AFLAC | $127 | $0 | $127 | 0.74% |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 200 | $2.1M |
| Dental(2 contracts, 2 carriers) | FLEXIBLE BENEFITS PLAN | 114 | $100K |
| Vision | INDEPENDENCE BLUE CROSS | 200 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 187 | $116K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 187 | $99K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 200 | $2.1M |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 187 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.