| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1018 WEST 9TH AVENUE, SUITE 100 KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 1018 WEST 9TH AVENUE, SUITE 100 KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| RIGGS COUNSELMAN MICHAELS & DOWNES Filed as: RIGGS COUNSELMEN MICHAEL & DOWNES | 555 FAIRMONT AVE BALTIMORE, MD 21286 | ACE AMERICAN INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE & ACCIDENT CO | $4K | $301 | $4K | 16.13% |
| USI INSURANCE SERVICES LLC3 | 1018 WEST 9TH AVENUE, SUITE 100 KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $978 | $0 | $978 | 5.00% |
| J D LUEDTKE INC | 313 FOURTH STREET HANOVER, PA 17331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $545 | — | $545 | 3.22% |
| C H ROBINSON & ASSOCIATES INC | 4735 NW 53 AVENUE, SUITE A GAINSVILLE, FL 32653 | CONTINENTAL AMERICAN INSURANCE COMPANY | $522 | — | $522 | 3.08% |
| ANTHONY S ALMODOVAR | 3605 VARTAN WAY, SUITE 304 HARRISBURG, PA 17110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $215 | — | $215 | 1.27% |
| MG BERGER INC | 1020 NORTH DELAWARE AVENUE PHILADELPHIA, PA 19125 | CONTINENTAL AMERICAN INSURANCE COMPANY | $107 | — | $107 | 0.63% |
| RYAN K GOLDBERG | 103 CHURCH STREET, APT. 3 PHILADELPHIA, PA 19106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.08% |
| DARREN D RIDDLE | 7850 AVONDALE TERRACE HARRISBURG, PA 17112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.08% |
| ANGELA MASSARELLI | 432 TUVIRA LANE CHERRY HILL, NJ 08003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.08% |
| MARTIN E BYSTROM | 333 OVERLOOK LANE GULPH MILLS, PA 19428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.07% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMONT AVE BALTIMORE, MD 21286 | HARTFORD LIFE & ACCIDENT CO | $204 | — | $204 | 15.03% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4200 INNSLAKE DR, STE. 303 GLEN ALLEN, VA 23060 | HARTFORD LIFE & ACCIDENT CO | — | $7 | $7 | 0.52% |
| USI INSURANCE SERVICES LLC3 | 1018 WEST 9TH AVENUE, SUITE 100 KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $58 | $0 | $58 | 4.97% |
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 | 882 | 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) | 892 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA COMPANIES, INC. | 1,410 | $439K |
| Vision | VISION BENEFITS OF AMERICA | 892 | $73K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 855 | $213K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 855 | $103K |
| Other(6 contracts, 4 carriers) | ACE AMERICAN INSURANCE COMPANY | 864 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,410 | — |
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."
No prospect flags tripped on this filing.