| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID | SUITE 303 COLLEGEVILLE, PA 19426 | INDEPENDENCE BLUE CROSS | $0 | $55K | $55K | 0.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $78K | $0 | $78K | 10.93% |
| AMERIHEALTH ADMINISTRATORS INC3 Filed as: AMERIHEALTH ADMINISTRATORS INC. | PO BOX 21545 EAGAN, MN 55121 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 2.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID | UNKNOWN NEW YORK, NY 10118 | UNITED CONCORDIA INSURANCE COMPANY | $37K | $0 | $37K | 6.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $425 | $6K | 5.12% |
| PAUL J. CONNOLLY3 | 99 PARK AVENUE, 25TH FLOOR NEW YORK, NY 10016 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $1K | $1K | 1.03% |
| PAUL J. CONNOLLY3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $801 | $0 | $801 | 0.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $51 | $337 | $388 | 0.34% |
| GARY W. SMITH3 | 111 EAST UWCHLAN AVENUE EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $90 | $4K | 6.42% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER CHARLES COCORES | 5001 LOUISE DRIVE, SUITE 300 MECHANICSBURG, PA 17055 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.90% |
| JOSEPH MICHAEL FARAGASSO3 | 1304 NORTHUMBERLAND ROAD COATESVILLE, PA 19320 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $716 | $0 | $716 | 1.31% |
| MATTHEW JAMES DOBBIE3 | 4830 ARDMORE DRIVE BLOOMFIELD TOWNSHIP, MI 48302 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $615 | $40 | $655 | 1.20% |
| LAWRENCE M. MCHUGH3 | 111 EAST UWCHLAN AVENUE EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $373 | $13 | $386 | 0.71% |
| MICHAEL R. SKIFF3 | 111 EAST UWCHLAN AVENUE EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $58 | $27 | $85 | 0.16% |
| STEVEN WARD SMITH AND OTHER AGENTS3 | UNKNOWN EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $39 | $5 | $44 | 0.08% |
| MATTHEW JAMES DOBBIE3 Filed as: MATTHEW JAMES DOOBIE | 4830 ARDMORE DRIVE BLOOMFIELD TOWNSHIP, MI 48302 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.75% |
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 | 895 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 923 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 2,238 | $5.7M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,884 | $601K |
| Vision | INDEPENDENCE BLUE CROSS | 2,238 | $5.7M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 993 | $738K |
| Short-term disability(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 993 | $826K |
| Long-term disability(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 993 | $880K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 2,238 | $5.7M |
| Other(5 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 993 | $737K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,238 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.