| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4 RADNOR CORPORATE CENTER RADNOR, PA 19087 | INDEPENDENCE BLUE CROSS | $74K | $0 | $74K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4 RADNOR CORPORATE CENTER RADNOR, PA 19087 | KEYSTONE | $36K | $0 | $36K | 4.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $2K | $12K | 11.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 3.46% |
| SJC BUSINESS SERVICES LLC3 Filed as: SJC BUSINESS SERVICES, LLC | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $501 | $15 | $516 | 3.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $414 | $0 | $414 | 2.63% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW JUNIKIEWICZ AND OTHER AGENTS | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $343 | $24 | $367 | 2.33% |
| TIMOTHY E MILLER3 Filed as: TIMOTHY E. MILLER | 604 HARVEST DRIVE DALLASTOWN, PA 17313 | AFLAC | $198 | $0 | $198 | 1.26% |
| DAVID W BRANDT3 Filed as: DAVID W. BRANDT | 46 WINDSOR WAY RED LION, PA 17356 | AFLAC | $184 | $0 | $184 | 1.17% |
| DAVID R PONTA3 Filed as: DAVID R. PONTA | 145 SOUTH DUKE STREET, SUITE B YORK, PA 17401 | AFLAC | $121 | $0 | $121 | 0.77% |
| BRANDT INC3 Filed as: BRANDT, INC. | 360 LOUCKS ROAD, SUITE 305 YORK, PA 17404 | AFLAC | $97 | $0 | $97 | 0.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $362 | $0 | $362 | 11.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $228 | $0 | $228 | 10.00% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 184 | $2.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 110 | $97K |
| Vision | INDEPENDENCE BLUE CROSS | 184 | $1.5M |
| Life insurance(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 191 | $126K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 191 | $105K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 184 | $2.2M |
| Other(5 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 191 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.