| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | P.O. BOX 601478 CHARLOTTE, NC 282601478 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 4.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | P.O. BOX 601478 CHARLOTTE, NC 282601478 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.50% |
| AXA ASSISTANCE, USA5 | 122 S. MICHIGAN AVE. STE. 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $334 | $334 | 0.11% |
| RIGGS COUNSELMAN MICHAELS & DOWNES Filed as: RIGGS, CONSELMAN, MICHAELS & DOWNES | 555 FAIRMONT AVENUE BALTIMORE, MD 21286 | ACE AMERICAN INSURANCE COMPANY | $16K | $0 | $16K | 21.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPEHER CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 15.00% |
| J D LUEDTKE INC | 313 FOURTH STREET HANOVER, PA 17331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $622 | — | $622 | 3.47% |
| C H ROBINSON & ASSOCIATES INC | 4735 NW 53 AVENUE, SUITE A GAINSVILLE, FL 32653 | CONTINENTAL AMERICAN INSURANCE COMPANY | $557 | — | $557 | 3.11% |
| ANTHONY S ALMODOVAR | 3605 VARTAN WAY, SUITE 304 HARRISBURG, PA 17110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $233 | — | $233 | 1.30% |
| MG BERGER INC | 1020 NORTH DELAWARE AVENUE PHILADELPHIA, PA 19125 | CONTINENTAL AMERICAN INSURANCE COMPANY | $114 | — | $114 | 0.64% |
| RYAN K GOLDBERG | 103 CHURCH STREET, APT. 3 PHILADELPHIA, PA 19106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.08% |
| DARREN D RIDDLE | 7850 AVONDALE TERRACE HARRISBURG, PA 17112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.08% |
| ANGELA MASSARELLI | 432 TUVIRA LANE CHERRY HILL, NJ 08003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.08% |
| MARTIN E BYSTROM | 333 OVERLOOK LANE GULPH MILLS, PA 19428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.07% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMONT AVE BALTIMORE, MD 21286 | HARTFORD LIFE & ACCIDENT CO | $204 | $0 | $204 | 15.03% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4200 INNSLAKE DR, STE. 303 GLEN ALLEN, VA 23060 | HARTFORD LIFE & ACCIDENT CO | $0 | $18 | $18 | 1.33% |
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 | 862 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 872 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 1,377 | $412K |
| Vision | VISION BENEFITS OF AMERICA | 630 | $89K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 862 | $295K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 862 | $295K |
| Other(5 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 864 | $415K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,377 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.