| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $0 | $2K | 5.89% |
| MICHAEL J LAGOWY3 | 3701 CORPORATE PKWY STE 310 CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $3K | $756 | $4K | 10.36% |
| KATHLEEN M KEENAN3 | 501 FELLOWSHIP RD STE 303 MT LAUREL, NJ 08054 | NORTHWESTERN MUTUAL | $2K | $565 | $3K | 7.07% |
| TRS AGENCY LLC3 | 1818 MARKET ST STE 3400 PHILADELPHIA, PA 19103 | NORTHWESTERN MUTUAL | $404 | $48 | $452 | 1.24% |
| JASON ESPENSHADE3 | 3701 CORPORATE PKWY STE 310 CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $303 | $109 | $412 | 1.13% |
| GUINAN FNCL GRP LLC3 | 1000 CONTINENTAL DRIVE STE 695 KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $303 | $36 | $339 | 0.93% |
| MICHAEL J LAGOWY3 | 3701 CORPORATE PKWY STE 310 CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $2K | $621 | $3K | 10.38% |
| KATHLEEN M KEENAN3 | 501 FELLOWSHIP RD STE 303 MT LAUREL, NJ 08054 | NORTHWESTERN MUTUAL | $2K | $414 | $2K | 6.92% |
| TRS AGENCY LLC3 | 1818 MARKET ST STE 3400 PHILADELPHIA, PA 19103 | NORTHWESTERN MUTUAL | $332 | $40 | $372 | 1.24% |
| JASON ESPENSHADE3 | 3701 CORPORATE PKWY STE 310 CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $249 | $89 | $338 | 1.13% |
| GUINAN FNCL GRP LLC3 | 1000 CONTINENTAL DRIVE STE 695 KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $249 | $30 | $279 | 0.93% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $376 | $0 | $376 | 5.93% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | NATIONAL VISION ADMINISTRATORS, LLC | $568 | $0 | $568 | 10.01% |
| MICHAEL J LAGOWY3 | 3701 CORPORATE PKWY STE 310 CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $414 | $103 | $517 | 10.34% |
| KATHLEEN M KEENAN3 | 501 FELLOWSHIP RD STE 303 MT LAUREL, NJ 08054 | NORTHWESTERN MUTUAL | $276 | $69 | $345 | 6.90% |
| TRS AGENCY LLC3 | 1818 MARKET ST STE 3400 PHILADELPHIA, PA 19103 | NORTHWESTERN MUTUAL | $55 | $7 | $62 | 1.24% |
| JASON ESPENSHADE3 | 3701 CORPORATE PKWY STE 310 CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $41 | $15 | $56 | 1.12% |
| GUINAN FNCL GRP LLC3 | 1000 CONTINENTAL DRIVE STE 695 KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $41 | $5 | $46 | 0.92% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KEYSTONE HEALTH PLAN EAST | 86 | $1.3M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 69 | $43K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 64 | $6K |
| Life insurance | NORTHWESTERN MUTUAL | 114 | $37K |
| Short-term disability | NORTHWESTERN MUTUAL | 114 | $5K |
| Long-term disability | NORTHWESTERN MUTUAL | 67 | $30K |
| Prescription drug(3 contracts, 3 carriers) | KEYSTONE HEALTH PLAN EAST | 86 | $1.3M |
| Other | FEDERAL INSURANCE COMPANY | 114 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.