| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANKLIN EMPLOYEE BENEFITS CONSULTI3 | 35 BARRINGTON LN CHESTER SPRINGS, PA 19425 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | — | $31K | 5.37% |
| FRANKLIN EMPLOYEE BENEFITS3 | 36 HAYSLOPE CT GLASSBORO, NJ 08028 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $10 | $20K | 3.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEYSTONE HEALTH PLAN EAST EIN 23-2405376 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.1M |
| GUARDIAN NURSES HEALTH ADVOCATES EIN 57-1187937 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $386K |
| FREEDMAN & LORRY PC EIN 23-2158375 NONE | Legal; Direct payment from the plan Service code 29 | — | $330K |
| BENECARD SERVICES INC EIN 22-2998772 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $183K |
| QCC INSURANCE COMPANY EIN 23-2184623 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $133K |
| SAMUEL J. KENISH EIN 23-1415471 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $107K |
| MH CONSULTANTS NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 2500 YORK RD JAMISON, PA 18929 | $102K |
| UNITED CONCORDIA EIN 23-2541529 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $93K |
| LIDO S. TOGNERI EIN 23-1415471 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $46K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $45K |
| JENNIFER SCHMELTZER EIN 23-1415471 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $44K |
| BENEFIT PLANS ADMINISTRATIVE SERVIC NONE | Actuarial; Direct payment from the plan Service code 11 | 3401 MASONS MILL RD, STE 601 HUNTINGDON VALLEY, PA 19006 | $40K |
| AGNES BREEN EIN 23-1415471 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $38K |
| MARY C. JONIEC EIN 23-1415471 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $36K |
| JOANNE CREEDON EIN 23-1415471 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $36K |
| DONNA DI FRANCESCO EIN 23-1415471 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $35K |
| BRANDON KENISH EIN 23-1415471 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $31K |
| CLEARY, JOSEM & TRIGLIANI LLP EIN 23-2657967 NONE | Legal; Direct payment from the plan Service code 29 | — | $30K |
| PRISCILLA PIERCE EIN 23-1415471 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $28K |
| GABRIEL DEL GAISO EIN 23-1415471 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $27K |
| CORPORATE HEALTH SOLUTIONS INC NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 2500 YORK ROAD SUITE 160 JAMISON, PA 18929 | $23K |
| INVESTMENT PERFORMANCE SERVICES EIN 58-1645832 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $18K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $16K |
| CALL A DOCTOR PLUS NONE | Other services; Direct payment from the plan Service code 49 | 35 NOD RD, STE 102 AVON, CT 06001 | $15K |
| LOOMIS SAYLES & COMPANY LP EIN 04-3200030 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $14K |
| MATTUCCI & ASSOCIATES EIN 23-2903453 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $14K |
| NATIONAL VISION ADMINISTRATORS EIN 74-3033381 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $12K |
| COZEN CONNOR EIN 23-1732832 NONE | Legal; Direct payment from the plan Service code 29 | — | $11K |
| PHARMACY CONSULTING SOLUTIONS NONE | Consulting (general); Direct payment from the plan Service code 16 | 2406 NASSAU RD CINNAMINSON, NJ 08077 | $10K |
| ERIC TEN BROECK, LLC EIN 20-2017396 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $8K |
| TEMPLE UNIVERSITY HOSPITAL EIN 23-2825878 NONE | Direct payment from the plan; Other services Service code 49 | — | $8K |
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 | 2,252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA INC | 52 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,895 | $576K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,895 | $576K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,895 | $576K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | KEYSTONE HEALTH PLAN EAST | 4,267 | $702K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,895 | $576K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,267 | — |
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.