| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | KEYSTONE HEALTH PLAN EAST | $41K | $0 | $41K | 2.86% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $3 | $3K | 7.01% |
| MICHAEL J LAGOWY3 | 3701 CORPORATE PKWY STE 310 CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $3K | $794 | $4K | 11.22% |
| KATHLEEN M KEENAN3 | 501 FELLOWSHIP RD STE 303 MT LAUREL, NJ 08054 | NORTHWESTERN MUTUAL | $2K | $529 | $3K | 7.48% |
| TRS AGENCY LLC3 | 1818 MARKET ST STE 3400 PHILADELPHIA, PA 19103 | NORTHWESTERN MUTUAL | $420 | $50 | $470 | 1.34% |
| JASON ESPENSHADE3 | 3701 CORPORATE PKWY STE 310 CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $315 | $113 | $428 | 1.22% |
| GUINAN FNCL GRP LLC3 | 1000 CONTINENTAL DRIVE STE 695 KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $315 | $38 | $353 | 1.00% |
| MICHAEL J LAGOWY3 | 3701 CORPORATE PKWY STE 310 CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $2K | $621 | $3K | 11.26% |
| KATHLEEN M KEENAN3 | 501 FELLOWSHIP RD STE 303 MT LAUREL, NJ 08054 | NORTHWESTERN MUTUAL | $2K | $414 | $2K | 7.50% |
| TRS AGENCY LLC3 | 1818 MARKET ST STE 3400 PHILADELPHIA, PA 19103 | NORTHWESTERN MUTUAL | $329 | $39 | $368 | 1.34% |
| JASON ESPENSHADE3 | 3701 CORPORATE PKWY STE 310 CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $247 | $89 | $336 | 1.23% |
| GUINAN FNCL GRP LLC3 | 1000 CONTINENTAL DRIVE STE 695 KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $247 | $30 | $277 | 1.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | NATIONAL VISION ADMINISTRATORS, LLC | $636 | $0 | $636 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $433 | $0 | $433 | 7.08% |
| MICHAEL J LAGOWY3 | 3701 CORPORATE PKWY STE 310 CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $419 | $106 | $525 | 11.30% |
| KATHLEEN M KEENAN3 | 501 FELLOWSHIP RD STE 303 MT LAUREL, NJ 08054 | NORTHWESTERN MUTUAL | $280 | $70 | $350 | 7.53% |
| TRS AGENCY LLC3 | 1818 MARKET ST STE 3400 PHILADELPHIA, PA 19103 | NORTHWESTERN MUTUAL | $56 | $7 | $63 | 1.36% |
| JASON ESPENSHADE3 | 3701 CORPORATE PKWY STE 310 CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $42 | $15 | $57 | 1.23% |
| GUINAN FNCL GRP LLC3 | 1000 CONTINENTAL DRIVE STE 695 KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $42 | $5 | $47 | 1.01% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 300 BLUE BELL, PA 19422 | FEDERAL INSURANCE COMPANY (CHUBB) | $0 | $32 | $32 | 0.79% |
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 | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE HEALTH PLAN EAST | 88 | $1.4M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 76 | $47K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 63 | $6K |
| Life insurance | NORTHWESTERN MUTUAL | 110 | $35K |
| Short-term disability | NORTHWESTERN MUTUAL | 110 | $5K |
| Long-term disability | NORTHWESTERN MUTUAL | 66 | $27K |
| Prescription drug(2 contracts, 2 carriers) | KEYSTONE HEALTH PLAN EAST | 88 | $1.4M |
| Other | FEDERAL INSURANCE COMPANY (CHUBB) | 110 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.