| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANKLIN EMPLOYEE BENEFITS CONSULTI3 | 35 BARRINGTON LN CHESTER SPRINGS, PA 19425 | METROPOLITAN LIFE INSURANCE COMPANY | $52K | — | $52K | 6.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEYSTONE HEALTH PLAN EAST EIN 23-2405376 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $1.2M |
| FREEDMAN & LORRY PC EIN 23-2158375 NONE | Legal; Direct payment from the plan Service code 29 | — | $372K |
| 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 | — | $369K |
| BENECARD SERVICES INC EIN 22-2998772 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $194K |
| QCC INSURANCE COMPANY EIN 23-2184623 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $151K |
| SAMUEL J. KENISH EIN 23-1415471 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $120K |
| M.H. CONSULTANTS NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 2500 YORK RD JAMISON, PA 18929 | $109K |
| JENNIFER SCHMELTZER EIN 23-1415471 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $49K |
| CLEARY, JOSEM & TRIGLIANI LLP EIN 23-2657967 NONE | Legal; Direct payment from the plan Service code 29 | — | $45K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $45K |
| AGNES BREEN EIN 23-1415471 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $41K |
| BRANDON KENISH EIN 23-1415471 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $40K |
| JOANNE CREEDON EIN 23-1415471 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $40K |
| DONNA DI FRANCESCO EIN 23-1415471 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $39K |
| MARY C. JONIEC EIN 23-1415471 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $39K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $38K |
| TEMPLE UNIVERSITY HOSPITAL EIN 23-2825878 NONE | Other services; Direct payment from the plan Service code 49 | — | $33K |
| LOOMIS SAYLES & COMPANY LP EIN 04-3200030 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $33K |
| PRISCILLA PIERCE EIN 23-1415471 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $31K |
| GABRIEL DEL GAISO EIN 23-1415471 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $30K |
| SHIRLEY DUSTMAN EIN 23-1415471 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $28K |
| SUMMIT BENEFIT & ACTUARIAL SERVICES NONE | Direct payment from the plan; Actuarial Service code 11 | 374 W. 12TH AVE. EUGENE, OR 97401 | $23K |
| INVESTMENT PERFORMANCE SERVICES EIN 58-1645832 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $20K |
| UNITED CONCORDIA EIN 23-2541529 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $18K |
| CALL A DOCTOR PLUS NONE | Direct payment from the plan; Other services Service code 49 | 35 NOD RD, STE 102 AVON, CT 06001 | $18K |
| AIM IT SOLUTIONS EIN 22-3872293 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $18K |
| COZEN CONNOR EIN 23-1732832 NONE | Legal; Direct payment from the plan Service code 29 | — | $17K |
| BENEFIT PLANS ADMINISTRATIVE SERVIC NONE | Actuarial; Direct payment from the plan Service code 11 | 3401 MASONS MILL RD, STE 601 HUNTINGDON VALLEY, PA 19006 | $17K |
| WELLS FARGO BANK N/A EIN 94-1347393 NONE | Custodial (securities); Other services; Direct payment from the plan Service code 19 | — | $15K |
| NATIONAL VISION ADMINISTRATORS EIN 74-3033381 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $12K |
| MATTUCCI & ASSOCIATES EIN 23-2903453 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $12K |
| ERIC TEN BROECK, LLC EIN 20-2017396 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $7K |
| CANCER STUDY GROUP NONE | Other services; Direct payment from the plan Service code 49 | 1440 G STREET NW WASHINGTON, DC 20009 | $5K |
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 | 2,117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,143 | 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 | 1,866 | $781K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,866 | $781K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,866 | $781K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE CO. | 2,070 | $731K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,866 | $781K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,070 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.