| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WADE FINANCIAL INC.3 | 1225 SCARLETT OAK DRIVE CHALFONT, PA 18914 | STANDARD INSURANCE COMPANY | $49K | — | $49K | 11.80% |
| DELAWARE VALLEY HEALTH CARE3 Filed as: DELAWARE VALLEY HEALTH CARE COLAITI | 2980 SOUTHAMPTON RD PHILADELPHIA, PA 19154 | DELTA DENTAL OF PENNSYLVANIA | $809 | — | $809 | 0.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE BLUE CROSS EIN 23-0370270 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.2M |
| SHEET METAL WORKERS LOC,#19 PENSION EIN 23-1494364 RELATED PARTY | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $1.2M |
| GUARDIAN NURSES EIN 57-1187937 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $662K |
| LABOR FIRST LLC EIN 06-1750191 NONE | Direct payment from the plan; Insurance brokerage commissions and fees Service code 50 | — | $635K |
| BENECARD SERVICES INC EIN 22-2998772 NONE | Direct payment from the plan; Other services Service code 49 | — | $251K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $121K |
| CONNER STRONG & BUCKELEW COMPANIES EIN 21-0718159 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $114K |
| ALLIED TRADES ASSISTANCE PROGRAM EIN 23-2591093 | Claims processing; Direct payment from the plan Service code 12 | — | $72K |
| BRIDGEWAY BENEFIT TECHNOLOGIES LLC EIN 52-1796473 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $67K |
| CHARTWELL INVESTMENT PARTNERS EIN 23-2891243 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $59K |
| BOYD WATTERSON ASSET MGMT LLC EIN 34-1922005 NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $52K |
| SPEAR WILDERMAN,PC EIN 23-2749511 NONE | Legal; Direct payment from the plan Service code 29 | — | $45K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $42K |
| SUSANIN,WIDMAN & BRENNAN, PC EIN 23-2265950 NONE | Legal; Direct payment from the plan Service code 29 | — | $34K |
| INVESTMENT PERFORMANCE SERVICES EIN 58-2432392 NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $33K |
| DELAWARE VALLEY HEALTHCARE COALITIO EIN 23-2813763 NONE | Insurance agents and brokers; Other insurance fees and expenses; Insurance brokerage commissions and fees; Other services Service code 22 | — | $24K |
| TD BANK, N.A. EIN 01-0137770 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $20K |
| NATIONAL VISION ADMINISTRATORS EIN 74-3033381 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $18K |
| PRINCIPAL FINANCIAL GROUP, INC. EIN 42-1520346 NONE | Other services; Custodial (securities); Direct payment from the plan Service code 19 | — | $8K |
| KENNEDY PRINTING COMPANY INC EIN 23-1699861 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $7K |
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 | 2,046 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,251 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF PENNSYLVANIA | 848 | $438K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,055 | $416K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH CARE SERVICE CORPORATION | 1,549 | $5.8M |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 3,297 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,297 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.