| 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 | — | $132K | $132K | 1.00% |
| 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 | $40K | $13K | $54K | 8.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 4.78% |
| AMERIHEALTH ADMINISTRATORS INC3 | PO BOX 21545 EAGAN, MN 55121 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 2.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA GBA | 261 MADISON AVENUE, STE 602 NEW YORK, NY 10016 | UNITED CONCORDIA LIFE AND HEALTH INS CO | $30K | — | $30K | 4.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BELMONT-GBS FINANCE | DIV OF GALLAGHER BENEFIT SVCS 2 PIERCE PLACE ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT | $2K | — | $2K | 2.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | ATTN DEBBIE PAUL 2 PIERCE PL ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT | $543 | — | $543 | 0.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2 PIERCE PLACE ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT | — | $218 | $218 | 0.27% |
| GARY W. SMITH3 Filed as: GARY SMITH | 747 CONSTITUTION DR, STE 110 EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INS CO | $3K | — | $3K | 4.16% |
| JAMES DOBBIE MATTHEW3 | 5001 LOUISE DR, STE 300 MECHANICSBURG, PA 17055 | MASSACHUSETTS MUTUAL LIFE INS CO | $1K | $1K | $2K | 3.59% |
| LAWRENCE M. MCHUGH3 Filed as: LAWRENCE MCHUGH | 747 CONSTITUTION DR STE 110 EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INS CO | $1K | $586 | $2K | 2.66% |
| GARY W. SMITH3 Filed as: GARY SMITH | 747 CONSTITUTION DR., STE 110 EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INS CO | $1K | — | $1K | 1.98% |
| JOSEPH MICHAEL FARAGASSO3 Filed as: JOSEPH FARAGASSO | 1304 NORTHUMBERLAND RD COATESVILLE, PA 19320 | MASSACHUSETTS MUTUAL LIFE INS CO | $493 | — | $493 | 0.80% |
| STEVEN M SMITH3 Filed as: STEVEN SMITH | 747 CONSTITUTION DR, STE 110 EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INS CO | $76 | — | $76 | 0.12% |
| PHILIP GARY WIENKEN3 Filed as: PHILIP WIENKEN | 2125 ARBOR CT MECHANICSBURG, PA 17055 | MASSACHUSETTS MUTUAL LIFE INS CO | $47 | — | $47 | 0.08% |
| COREY WALTERS3 | 227 POPLAR ST SPRING CITY, PA 19475 | MASSACHUSETTS MUTUAL LIFE INS CO | $22 | — | $22 | 0.04% |
| JOHN MCSHERRY III3 | 107 TWINING RD LANSDALE, PA 19446 | MASSACHUSETTS MUTUAL LIFE INS CO | $5 | — | $5 | 0.01% |
| JOHN WOMACK III3 | 536 GLENDALE CIR SPRINGFIELD, PA 19064 | MASSACHUSETTS MUTUAL LIFE INS CO | $3 | — | $3 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BELMONT | DIV OF GALLAGHER BENEFIT SVCS, 2 PIERCE PLACE ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2 PIERCE PLACE, 14TH FL ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $115 | $115 | 0.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BELMONT | 2 PIERCE PLACE- DIV OF GBS FINANCE ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 5.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2 PIERCE PLACE-ATTN DEBBIE PAUL ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $819 | — | $819 | 3.42% |
| CONNOLLY, PAUL J3 | 2 PIERCE PLACE ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $692 | — | $692 | 2.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | ATTN - DEBBIE PAUL 2 PIERCE PL - 14TH FL ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $359 | — | $359 | 48.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BELMONT | A DIV OF GALLAGHER BENEFIT SVCES 2 PIERCE PL ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $246 | $246 | 33.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 9.76% |
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 | 942 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 948 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 2,193 | $13.2M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INS CO | 1,828 | $609K |
| Vision | INDEPENDENCE BLUE CROSS | 2,193 | $13.2M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 937 | $655K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 937 | $656K |
| Long-term disability(4 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 937 | $742K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 2,193 | $13.2M |
| Other(4 contracts, 4 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 937 | $834K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,193 | — |
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.