| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VINCENT GRETO, AIA ASSOCIATES INC.3 | 908 MACDADE BLVD FOLSOM, PA 19033 | AMERICAN FIDELITY ASSURANCE CO. | $42K | — | $42K | 16.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS PLUS EIN 23-0370270 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $2.0M |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $383K |
| CHRISTINE SCIPIO EIN 23-1402245 EMPLOYEE | Direct payment from the plan; Recordkeeping fees; Employee (plan) Service code 30 | — | $106K |
| BOYD WATTERSON ASSET MANAGEMENT LLC EIN 34-1922005 NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $104K |
| SHIRLEY BEALL EIN 23-1402245 EMPLOYEE | Recordkeeping fees; Direct payment from the plan; Employee (plan) Service code 30 | — | $104K |
| EILEEN C ALBRIGHT EIN 23-1402245 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $94K |
| CHRISTINE N. TRIFILETTI EIN 23-1402245 EMPLOYEE | Direct payment from the plan; Employee (plan); Recordkeeping fees Service code 30 | — | $89K |
| GINA MARIE CICCARELLA EIN 23-1402245 EMPLOYEE | Recordkeeping fees; Employee (plan); Direct payment from the plan Service code 30 | — | $88K |
| PAUL POTAKO EIN 23-1402245 EMPLOYEE | Direct payment from the plan; Employee (plan); Recordkeeping fees Service code 30 | — | $88K |
| FOUNDRY PARTNERS, LLC EIN 46-1184506 NONE | Securities brokerage commissions and fees; Investment management fees paid directly by plan; Investment management; Soft dollars commissions Service code 28 | — | $87K |
| AON CONSULTING EIN 23-2293237 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $84K |
| CHARTWELL INVESTMENT PARTNERS EIN 36-4776242 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $83K |
| ANTHONY DEFEO EIN 23-1402245 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $82K |
| PAMELA HERRERA EIN 23-1402245 EMPLOYEE | Direct payment from the plan; Employee (plan); Recordkeeping fees Service code 30 | — | $82K |
| JOHN HEENAN EIN 23-1402245 EMPLOYEE | Recordkeeping fees; Employee (plan); Direct payment from the plan Service code 30 | — | $70K |
| ANN CAPALDI EIN 23-1402245 EMPLOYEE | Recordkeeping fees; Direct payment from the plan; Employee (plan) Service code 30 | — | $64K |
| MARIA DANYLUK EIN 23-1402245 EMPLOYEE | Employee (plan); Direct payment from the plan; Recordkeeping fees Service code 30 | — | $57K |
| GINA PASTELLA EIN 23-1402245 EMPLOYEE | Employee (plan); Direct payment from the plan; Recordkeeping fees Service code 30 | — | $56K |
| THOMAS DOOLEY EIN 23-1402245 EMPLOYEE | Direct payment from the plan; Employee (plan); Recordkeeping fees Service code 30 | — | $54K |
| RENEE TIFFANY EIN 23-1402245 EMPLOYEE | Recordkeeping fees; Direct payment from the plan; Employee (plan) Service code 30 | — | $50K |
| COLUMBIA PARTNERS LLC INVESTMENT EIN 52-1940739 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $50K |
| JRP & ASSOCIATES, LLC NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 115 ROSE TWIG LANE NORTH WALES, PA 19454 | $48K |
| INVESTMENT PERFORMANCE SERVICES EIN 58-2432392 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $43K |
| CLEARY,JOSEM & TRIGIANI LLP EIN 23-2657967 NONE | Legal; Direct payment from the plan Service code 29 | — | $41K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $40K |
| MATTHEW DANESE EIN 23-1402245 EMPLOYEE | Employee (plan); Recordkeeping fees; Direct payment from the plan Service code 30 | — | $34K |
| JESSICA TRAHEY EIN 23-1402245 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $34K |
| TIMOTHY RUSSO EIN 23-1402245 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $32K |
| ANDREA GASS EIN 23-1402245 EMPLOYEE | Recordkeeping fees; Direct payment from the plan; Employee (plan) Service code 30 | — | $30K |
| DEBORAH SHEEHAN EIN 23-1402245 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $28K |
| BETH MARTIN EIN 23-1402245 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $28K |
| VISION BENEFITS OF AMERICA INC. EIN 25-1149206 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $26K |
| PATRICIA REPETSKI EIN 23-1402245 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $26K |
| WELLS FARGO BANK EIN 41-0449260 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $21K |
| THOMAS J. MCGOLDRICK, ESQUIRE NONE | Legal; Direct payment from the plan Service code 29 | 35 SHERFFIELD COURT COLLEGEVILLE, PA 19426 | $15K |
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 | 3,679 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,291 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,970 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KEYSTONE-65 | 2 | $4K |
| Dental | FIDELIO INSURANCE COMPANY | 4,662 | $3.5M |
| Stop-loss / reinsurancereinsurance | AMERICAN FIDELITY ASSURANCE CO. | 3,679 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,662 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.