| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE MOUNT LAUREL, NJ 08054 | INDEPENDENCE BLUE CROSS | $92K | $0 | $92K | 4.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $3K | $13K | 10.84% |
| SJC BUSINESS SERVICES LLC3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $897 | $23 | $920 | 4.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $667 | $0 | $667 | 3.49% |
| MICHELLE L THOMAS BRANDT3 Filed as: MICHELLE T. BRANDT AND OTHER AGENTS | 1135 PLEASANT GROVE ROAD RED LION, PA 17356 | AFLAC | $343 | $18 | $361 | 1.89% |
| DAVID W BRANDT3 Filed as: DAVID BRANDT | 6908 FOX CHASE ROAD NEW MARKET, MD 21774 | AFLAC | $184 | $0 | $184 | 0.96% |
| LAUNCHPAD BENEFITS SOLUTIONS LLC3 | 101 WEST ELM STREET CONSHOHOCKEN, PA 19428 | AFLAC | $148 | $9 | $157 | 0.82% |
| TIMOTHY MILLER3 | 604 HARVEST DRIVE DALLASTOWN, PA 17313 | AFLAC | $135 | $0 | $135 | 0.71% |
| DAVID R PONTA3 Filed as: DAVID PONTA | 145 SOUTH DUKE STREET, SUITE B YORK, PA 17401 | AFLAC | $117 | $0 | $117 | 0.61% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 241 | $2.2M |
| Dental | AFLAC | 16 | $19K |
| Vision | INDEPENDENCE BLUE CROSS | 241 | $2.2M |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $135K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $116K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 241 | $2.2M |
| Other(5 contracts, 5 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 185 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.