| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC | 1787 SENTRY PKWY W, SUITE 300 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PKWY W, SUITE 300 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| RIGGS COUNSELMAN MICHAELS & DOWNES Filed as: RIGGS COUNSELMAN MICHAEL & DOWNES | 555 FAIRMONT AVE BALTIMORE, MD 21286 | ACE AMERICAN INSURANCE COMPANY | $14K | — | $14K | 21.50% |
| USI INSURANCE SERVICES LLC | 1787 SENTRY PKWY W, SUITE 300 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $973 | — | $973 | 5.00% |
| J D LUEDTKE INC Filed as: J D LUEDTKE, INC. | 313 FOURTH STREET HANOVER, PA 17331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $568 | — | $568 | 3.43% |
| C H ROBINSON & ASSOCIATES INC Filed as: C H ROBINSON & ASSOCIATES, INC. | 55 PORTER ALLEY MECHANICSBURG, PA 17050 | CONTINENTAL AMERICAN INSURANCE COMPANY | $481 | — | $481 | 2.91% |
| ANTHONY S ALMODOVAR | 3605 VARTAN WAY, SUITE 304 HARRISBURG, PA 17110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $214 | — | $214 | 1.29% |
| MG BERGER INC | 1020 NORTH DELAWARE AVE, 4TH FLOOR PHILADELPHIA, PA 19125 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | — | $98 | 0.59% |
| DARREN D RIDDLE | 7850 AVONDALE TERRACE HARRISBURG, PA 17112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.07% |
| ANGELA MASSARELLI | 432 TUVIRA LANE CHERRY HILL, NJ 08003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.07% |
| RYAN K GOLDBERG | 103-107 CHURCH STREET PHILADELPHIA, PA 19106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.07% |
| MARTIN E BYSTROM | 333 OVERLOOK LANE GULPH MILLS, PA 19428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.07% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMONT AVE BALTIMORE, MD 21286 | HARTFORD LIFE AND ACCIDENT | $204 | $11 | $215 | 15.84% |
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 | 832 | 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) | 834 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,387 | $437K |
| Vision | VISION BENEFITS OF AMERICA | 595 | $74K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 834 | $215K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 834 | $103K |
| Other(4 contracts, 4 carriers) | ACE AMERICAN INSURANCE COMPANY | 834 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,387 | — |
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.