| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KTP ADVISORS, INC.3 Filed as: KTP ADVISORS INC | 130 BELLEVUE AVE, STE 211 NEWPORT, RI 02840 | AETNA HEALTH INC. | $285K | — | $285K | 6.98% |
| BENISTAR3 | 10 TOWER LANE, STE 100 AVON, CT 06001 | AETNA HEALTH INC. | $152K | — | $152K | 3.74% |
| WADE FINANCIAL INC.3 Filed as: WADE FINANCIAL, INC. | 1225 SCARLETT OAK DR. CHALFONT, PA 18914 | STANDARD INSURANCE COMPANY | $62K | $7K | $69K | 11.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS PLUS EIN 23-0370270 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $2.1M |
| HEALTHSTAT, INC. EIN 56-2273744 NONE | Other services; Direct payment from the plan Service code 49 | — | $1.6M |
| HEALTH CARE SOLUTIONS CORPORATION EIN 23-2630637 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.1M |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Direct payment from the plan Service code 50 | — | $991K |
| GUARDIAN NURSES EIN 57-1187937 NONE | Direct payment from the plan; Other services Service code 49 | — | $233K |
| CHARTWELL INVESTMENT PARTNERS EIN 36-4776242 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $218K |
| ALLIED TRADES ASSISTANCE PROGRAM EIN 23-2591093 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $217K |
| GINA PASTELLA EIN 23-1402245 EMPLOYEE | Employee (plan); Direct payment from the plan; Recordkeeping fees Service code 30 | — | $181K |
| KAREN COUGLIN EIN 23-1402245 EMPLOYEE | Employee (plan); Recordkeeping fees; Direct payment from the plan Service code 30 | — | $181K |
| ELMC RX SOLUTIONS, LLC EIN 47-4776379 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $166K |
| ANN CAPALDI EIN 23-1402245 EMPLOYEE | Recordkeeping fees; Employee (plan); Direct payment from the plan Service code 30 | — | $128K |
| HALEY WADE EIN 23-1402245 EMPLOYEE | Employee (plan); Recordkeeping fees; Direct payment from the plan Service code 30 | — | $115K |
| PAUL POTAKO EIN 23-1402245 EMPLOYEE | Recordkeeping fees; Direct payment from the plan; Employee (plan) Service code 30 | — | $106K |
| ANTHONY DEFEO EIN 23-1402245 EMPLOYEE | Recordkeeping fees; Employee (plan); Direct payment from the plan Service code 30 | — | $106K |
| FOUNDRY PARTNERS, LLC EIN 46-1184506 NONE | Securities brokerage commissions and fees; Soft dollars commissions; Investment management fees paid directly by plan; Investment management Service code 28 | — | $105K |
| JOHN HEENAN EIN 23-1402245 EMPLOYEE | Direct payment from the plan; Employee (plan); Recordkeeping fees Service code 30 | — | $98K |
| COLUMBIA PARTNERS LLC INVESTMENT EIN 52-1940739 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $82K |
| SIERRA INVESTMENT PARTNERS, INC. EIN 68-0370668 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $81K |
| BOLTON PARTNERS NORTHEAST, INC. EIN 52-1231144 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $80K |
| CLEARY, JOSEM & TRIGIANI LLP EIN 23-2657967 NONE | Legal; Direct payment from the plan Service code 29 | — | $80K |
| WILLIAM MCGUIRE EIN 23-1402245 EMPLOYEE | Recordkeeping fees; Employee (plan); Direct payment from the plan Service code 30 | — | $74K |
| MARIA DANYLUK EIN 23-1402245 EMPLOYEE | Employee (plan); Recordkeeping fees; Direct payment from the plan Service code 30 | — | $72K |
| PAUL CAREY III EIN 23-1402245 EMPLOYEE | Employee (plan); Direct payment from the plan; Recordkeeping fees Service code 30 | — | $70K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $64K |
| INVESTMENT PERFORMANCE SERVICES EIN 58-2432392 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $53K |
| MICHAEL FEHRLE EIN 23-1402245 EMPLOYEE | Employee (plan); Direct payment from the plan; Recordkeeping fees Service code 30 | — | $50K |
| CHARLES BUMBAUGH EIN 23-1402245 EMPLOYEE | Recordkeeping fees; Employee (plan); Direct payment from the plan Service code 30 | — | $49K |
| WELLS FARGO BANK EIN 41-0449260 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $49K |
| JESSICA KRIGER EIN 23-1402245 EMPLOYEE | Recordkeeping fees; Direct payment from the plan; Employee (plan) Service code 30 | — | $44K |
| SUSANIN, WIDMAN, & BRENNAN, P.C. EIN 23-2265950 NONE | Legal; Direct payment from the plan Service code 29 | — | $42K |
| HEALTHSMART RX SOLUTIONS, INC. EIN 34-1635597 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $42K |
| NATHAN SMITH EIN 23-1402245 EMPLOYEE | Recordkeeping fees; Direct payment from the plan; Employee (plan) Service code 30 | — | $41K |
| ANDREA GASS EIN 23-1402245 EMPLOYEE | Direct payment from the plan; Recordkeeping fees; Employee (plan) Service code 30 | — | $39K |
| SERVICE & MAINTENANCE PROFESSIONALS NONE | Direct payment from the plan; Other services Service code 49 | 301 YORK RD WARMINSTER, PA 18974 | $36K |
| BETH MARTIN EIN 23-1402245 EMPLOYEE | Recordkeeping fees; Direct payment from the plan; Employee (plan) Service code 30 | — | $35K |
| ALEXIS DEAL EIN 23-1402245 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $35K |
| PATRICIA REPETSKI EIN 23-1402245 EMPLOYEE | Direct payment from the plan; Employee (plan); Recordkeeping fees Service code 30 | — | $33K |
| JRP & ASSOCIATES, LLC NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 115 ROSE TWIG LANE NORTH WALES, PA 19454 | $32K |
| PRINCIPAL BANK EIN 42-1520346 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $29K |
| VISION BENEFITS OF AMERICA INC. EIN 25-1149206 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $26K |
| TIMOTHY NAGY EIN 23-1402245 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $25K |
| ADP, INC. EIN 22-1467904 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $12K |
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 | 3,493 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,237 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,730 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FIDELIO INSURANCE COMPANY | 4,452 | $4.1M |
| Life insurance | STANDARD INSURANCE COMPANY | 4,799 | $622K |
| Short-term disability | AETNA HEALTH INC. | 1,588 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,799 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.