| 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. | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS PLUS EIN 23-0370270 NONE | Contract Administrator Service code 13 | — | $2.1M |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $406K |
| GUARDIAN NURSES EIN 57-1187937 NONE | Direct payment from the plan; Other services Service code 49 | — | $200K |
| BOYD WATTERSON ASSET MANAGEMENT LLC EIN 34-1922005 NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $158K |
| GINA PASTELLA EIN 23-1402245 EMPLOYEE | Direct payment from the plan; Employee (plan); Recordkeeping fees Service code 30 | — | $146K |
| KAREN COUGLIN EIN 23-1402245 EMPLOYEE | Employee (plan); Direct payment from the plan; Recordkeeping fees Service code 30 | — | $142K |
| CHRISTINE N. TRIFILETTI EIN 23-1402245 EMPLOYEE | Direct payment from the plan; Employee (plan); Recordkeeping fees Service code 30 | — | $108K |
| CHRISTINE SCIPIO EIN 23-1402245 EMPLOYEE | Employee (plan); Recordkeeping fees; Direct payment from the plan Service code 30 | — | $106K |
| SHIRLEY BEALL EIN 23-1402245 EMPLOYEE | Recordkeeping fees; Employee (plan); Direct payment from the plan Service code 30 | — | $104K |
| ANN CAPALDI EIN 23-1402245 EMPLOYEE | Direct payment from the plan; Employee (plan); Recordkeeping fees Service code 30 | — | $99K |
| PAMELA HERRERA EIN 23-1402245 EMPLOYEE | Direct payment from the plan; Recordkeeping fees; Employee (plan) Service code 30 | — | $98K |
| GINA MARIE CICCARELLA EIN 23-1402245 EMPLOYEE | Recordkeeping fees; Direct payment from the plan; Employee (plan) Service code 30 | — | $88K |
| PAUL POTAKO EIN 23-1402245 EMPLOYEE | Direct payment from the plan; Recordkeeping fees; Employee (plan) Service code 30 | — | $88K |
| FOUNDRY PARTNERS, LLC EIN 46-1184506 NONE | Soft dollars commissions; Securities brokerage commissions and fees; Investment management fees paid directly by plan; Investment management Service code 28 | — | $85K |
| CHARTWELL INVESTMENT PARTNERS EIN 36-4776242 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $85K |
| ANTHONY DEFEO EIN 23-1402245 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $84K |
| JOHN HEENAN EIN 23-1402245 EMPLOYEE | Direct payment from the plan; Employee (plan); Recordkeeping fees Service code 30 | — | $71K |
| MARIA DANYLUK EIN 23-1402245 EMPLOYEE | Employee (plan); Direct payment from the plan; Recordkeeping fees Service code 30 | — | $58K |
| THOMAS DOOLEY EIN 23-1402245 EMPLOYEE | Direct payment from the plan; Recordkeeping fees; Employee (plan) Service code 30 | — | $56K |
| INVESTMENT PERFORMANCE SERVICES EIN 58-2432392 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $54K |
| COLUMBIA PARTNERS LLC INVESTMENT EIN 52-1940739 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $51K |
| RENEE TIFFANY EIN 23-1402245 EMPLOYEE | Recordkeeping fees; Employee (plan); Direct payment from the plan Service code 30 | — | $51K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $48K |
| ADLER RX CONSULTING LLC NONE | Direct payment from the plan; Actuarial Service code 11 | 705 VILLAGE GREEN WAY WEST BEND, WI 53090 | $42K |
| CLEARY,JOSEM & TRIGIANI LLP EIN 23-2657967 NONE | Legal; Direct payment from the plan Service code 29 | — | $41K |
| JESSICA TRAHEY EIN 23-1402245 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $35K |
| WELLS FARGO BANK EIN 41-0449260 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $34K |
| TIMOTHY RUSSO EIN 23-1402245 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $32K |
| ANDREA GASS EIN 23-1402245 EMPLOYEE | Direct payment from the plan; Employee (plan); Recordkeeping fees Service code 30 | — | $31K |
| LAWRENCE HUGHES EIN 23-1402245 EMPLOYEE | 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 | — | $29K |
| 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 | — | $27K |
| PATRICIA REPETSKI EIN 23-1402245 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $26K |
| 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 | 3,683 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,266 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,949 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KEYSTONE-65 | 1 | $2K |
| Dental | FIDELIO INSURANCE COMPANY | 4,630 | $3.7M |
| Stop-loss / reinsurancereinsurance | AMERICAN FIDELITY ASSURANCE CO. | 3,683 | $315K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,630 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.