| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE MT. LAUREL, NJ 08054 | INDEPENDENCE BLUE CROSS | $102K | — | $102K | 4.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | P.O. BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $8K | $5K | $14K | 14.73% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | HARTFORD LIFE AND ACCIDENT | $507 | — | $507 | 0.55% |
| SHELLY J. CAMPO3 | P.O. BOX 84 GREEN LANE, PA 18054 | AFLAC | $504 | — | $504 | 4.54% |
| SJC BUSINESS SERVICES LLC3 | P.O. BOX 84 GREEN LANE, PA 18054 | AFLAC | $308 | — | $308 | 2.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 STE. 308 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $304 | — | $304 | 2.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $214 | — | $214 | 1.93% |
| LAUNCHPAD BENEFITS SOLUTIONS LLC3 | 529 FAYETTE ST STE 202 CONSHOHOCKEN, PA 19428 | AFLAC | $174 | — | $174 | 1.57% |
| DAVID W BRANDT3 | 6908 FOX CHASE RD NEW MARKET, MD 21774 | AFLAC | $115 | — | $115 | 1.04% |
| TIMOTHY E MILLER3 | 604 HARVEST DR DALLASTOWN, PA 17313 | AFLAC | $87 | — | $87 | 0.78% |
| DAVID R PONTA3 | 145 S DUKE ST STE B YORK, PA 17401 | AFLAC | $72 | — | $72 | 0.65% |
| MICHELLE L THOMAS BRANDT3 | 1135 PLEASANT GROVE RD RED LION, PA 17356 | AFLAC | $60 | — | $60 | 0.54% |
| BRIAN JOSEPH CAMPO3 | 1726 BECKER RD GREEN LANE, PA 18054 | AFLAC | $51 | — | $51 | 0.46% |
| JOSE A SCHIENEMAN3 | 1881 S CARRIAGE LN CHANDLER, AZ 85286 | AFLAC | $10 | — | $10 | 0.09% |
| JEFFREY CHUBB3 Filed as: JEFFREY C CHUBB | 349 W WALNUT TREE DR BLANDON, PA 19510 | AFLAC | $9 | — | $9 | 0.08% |
| ANDREW J JUNIKIEWICZ JR3 | 22 BROOK HOLLOW DR SINKING SPRING, PA 19608 | AFLAC | $7 | — | $7 | 0.06% |
| SVETLANA ZEITLIN3 | 105 ADDIS DR CHURCHVILLE, PA 18966 | AFLAC | $7 | — | $7 | 0.06% |
| IRENE E BROOKS3 | 19 NORFOLK LN LEBANON, PA 17042 | AFLAC | $7 | — | $7 | 0.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL PENNSYLVANIA | 980 JOLLY ROAD SUITE 100 BLUE BELL, PA 19422 | FEDERAL INSURANCE COMPANY | $684 | — | $684 | 16.89% |
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 | 184 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 251 | $2.2M |
| Dental | AFLAC | 14 | $11K |
| Vision | INDEPENDENCE BLUE CROSS | 251 | $2.2M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 206 | $103K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 206 | $92K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 251 | $2.2M |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 206 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.
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.