| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | HARTFORD LIFE AND ACCIDENT | $6K | $2K | $8K | 18.43% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $0 | $2K | 6.05% |
| MICHAEL J LAGOWY3 | 3701 CORPORATE PKWY STE 310 CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $480 | $119 | $599 | 7.47% |
| KATHLEEN M KEENAN3 | 501 FELLOWSHIP RD STE 303 MT LAUREL, NJ 08054 | NORTHWESTERN MUTUAL | $320 | $80 | $400 | 4.99% |
| TRS AGENCY LLC3 | 1818 MARKET ST STE 3400 PHILADELPHIA, PA 19103 | NORTHWESTERN MUTUAL | $64 | $8 | $72 | 0.90% |
| JASON ESPENSHADE3 | 3701 CORPORATE PKWY STE 310 CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $48 | $17 | $65 | 0.81% |
| GUINAN FNCL GRP LLC3 | 1000 CONTINENTAL DRIVE STE 695 KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $48 | $6 | $54 | 0.67% |
| MICHAEL J LAGOWY3 | 3701 CORPORATE PKWY STE 310 CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $425 | $106 | $531 | 7.50% |
| KATHLEEN M KEENAN3 | 501 FELLOWSHIP RD STE 303 MT LAUREL, NJ 08054 | NORTHWESTERN MUTUAL | $283 | $71 | $354 | 5.00% |
| TRS AGENCY LLC3 | 1818 MARKET ST STE 3400 PHILADELPHIA, PA 19103 | NORTHWESTERN MUTUAL | $57 | $7 | $64 | 0.90% |
| JASON ESPENSHADE3 | 3701 CORPORATE PKWY STE 310 CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $42 | $15 | $57 | 0.81% |
| GUINAN FNCL GRP LLC3 | 1000 CONTINENTAL DRIVE STE 695 KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $42 | $5 | $47 | 0.66% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITED CONCORDIA INSURANCE COMPANY | $418 | $0 | $418 | 6.08% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | NATIONAL VISION ADMINISTRATORS, LLC | $512 | $0 | $512 | 10.00% |
| MICHAEL J LAGOWY3 | 3701 CORPORATE PKWY STE 310 CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $69 | $17 | $86 | 7.45% |
| KATHLEEN M KEENAN3 | 501 FELLOWSHIP RD STE 303 MT LAUREL, NJ 08054 | NORTHWESTERN MUTUAL | $46 | $12 | $58 | 5.02% |
| TRS AGENCY LLC3 | 1818 MARKET ST STE 3400 PHILADELPHIA, PA 19103 | NORTHWESTERN MUTUAL | $9 | $1 | $10 | 0.87% |
| JASON ESPENSHADE3 | 3701 CORPORATE PKWY STE 310 CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $7 | $2 | $9 | 0.78% |
| GUINAN FNCL GRP LLC3 | 1000 CONTINENTAL DRIVE STE 695 KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $7 | $1 | $8 | 0.69% |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE HEALTH PLAN EAST | 87 | $1.2M |
| Dental(2 contracts) | UNITED CONCORDIA INSURANCE COMPANY | 67 | $45K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 55 | $5K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 110 | $52K |
| Short-term disability | NORTHWESTERN MUTUAL | 110 | $1K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 110 | $51K |
| Prescription drug(2 contracts, 2 carriers) | KEYSTONE HEALTH PLAN EAST | 87 | $1.2M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 110 | $44K |
| 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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.