| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA GBA | STE 303 COLLEGEVILLE, PA 19426 | INDEPENDENCE BLUE CROSS | $64K | $151K | $215K | 1.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 4 RADNOR CORP CTR, STE 510 100 MATSONFORD RD RADNOR, PA 19087 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $66K | — | $66K | 10.95% |
| AMERIHEALTH ADMINISTRATORS INC3 | PO BOX 21545 EAGAN, MN 55121 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 2.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO | 261 MADISON AVE., STE 602 NEW YORK, NY 10016 | UNITED CONCORDIA LIFE AND HEALTH INS CO | $31K | — | $31K | 5.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT | $2K | $74 | $2K | 1.96% |
| LAWRENCE M. MCHUGH3 Filed as: LAWRENCE MCHUGH | 747 CONSTITUTION DR STE 110 EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INS CO | $1K | $2K | $4K | 6.69% |
| GARY W. SMITH3 Filed as: GARY SMITH | 747 CONSTITUTION DR, STE 110 EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INS CO | $2K | — | $2K | 4.14% |
| JAMES DOBBIE MATTHEW3 | 5001 LOUISE DR, STE 300 MECHANICSBURG, PA 17055 | MASSACHUSETTS MUTUAL LIFE INS CO | $1K | $1K | $2K | 4.08% |
| GARY W. SMITH3 Filed as: GARY SMITH | 747 CONSTITUTION DR., STE 110 EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INS CO | $1K | — | $1K | 2.18% |
| JOSEPH MICHAEL FARAGASSO3 Filed as: JOSEPH FARAGASSO | 1304 NORTHUMBERLAND RD COATESVILLE, PA 19320 | MASSACHUSETTS MUTUAL LIFE INS CO | $526 | $12 | $538 | 1.01% |
| COREY WALTERS3 | 227 POPLAR ST SPRING CITY, PA 19475 | MASSACHUSETTS MUTUAL LIFE INS CO | $83 | $226 | $309 | 0.58% |
| PHILIP GARY WIENKEN3 Filed as: PHILIP WIENKEN | 2125 ARBOR CT MECHANICSBURG, PA 17055 | MASSACHUSETTS MUTUAL LIFE INS CO | $114 | — | $114 | 0.21% |
| STEVEN M SMITH3 Filed as: STEVEN SMITH | 747 CONSTITUTION DR, STE 110 EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INS CO | $75 | — | $75 | 0.14% |
| JOHN WOMACK III3 | 536 GLENDALE CIR SPRINGFIELD, PA 19064 | MASSACHUSETTS MUTUAL LIFE INS CO | $13 | — | $13 | 0.02% |
| JOHN MCSHERRY III3 | 107 TWINING RD LANSDALE, PA 19446 | MASSACHUSETTS MUTUAL LIFE INS CO | $5 | — | $5 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BELMONT | 4 RADNOR CORP CTR, STE 510 100 MATSONFORD RD RADNOR, PA 19087 | PROVIDENT LIFE AND ACCIDENT | — | $1K | $1K | 5.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | ATTN DEBBIE PAUL 2 PIERCE PL ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT | $1K | — | $1K | 3.96% |
| PAUL J. CONNOLLY3 Filed as: PAUL CONNOLLY | 2 PIERCE PLACE ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT | $792 | — | $792 | 2.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INS CO | $2K | $163 | $2K | 37.41% |
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 | 878 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 883 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 2,097 | $12.8M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INS CO | 1,765 | $600K |
| Vision | INDEPENDENCE BLUE CROSS | 2,097 | $12.7M |
| Short-term disability(2 contracts) | PROVIDENT LIFE AND ACCIDENT | 14 | $33K |
| Long-term disability(3 contracts, 2 carriers) | MASSACHUSETTS MUTUAL LIFE INS CO | 144 | $86K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 2,097 | $12.7M |
| Other(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT | 875 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,097 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.