| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT BERGMAN3 | 11 S ADAMS AVE, UNIT 1 MARGATE, NJ 08402 | HM LIFE INSURANCE CO. | $26K | — | $26K | 3.00% |
| FRANKLIN EMPLOYEE BENEFITS CONSULTI3 | 35 BARRINGTON LN CHESTER SPRINGS, PA 19425 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | $25 | $57K | 7.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEYSTONE HEALTH PLAN EAST EIN 23-2405376 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.1M |
| SPEAR WILDERMAN, P.C. EIN 23-2749511 NONE | Legal; Direct payment from the plan Service code 29 | — | $348K |
| TEMPLE UNIVERSITY HOSPITAL EIN 23-2825878 NONE | Direct payment from the plan; Other services Service code 49 | — | $314K |
| QCC INSURANCE COMPANY EIN 23-2184623 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $222K |
| BENECARD SERVICES INC EIN 22-2998772 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $195K |
| SAMUEL J. KENISH EIN 23-1415471 EMPLOYEE | Employee (plan) Service code 30 | — | $136K |
| MENTAL HEALTH CONSULTANTS, INC. NONE | Claims processing; Direct payment from the plan Service code 12 | 1501 LOWER STATE RD, STE 200 NORTH WALES, PA 19454 | $98K |
| BOYD WATTERSON ASSET MANAGEMENT EIN 34-1922005 NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $85K |
| JENNIFER SCHMELTZER EIN 23-1415471 EMPLOYEE | Direct payment from the plan Service code 50 | — | $62K |
| LOUIS P. MATTUCCI & ASSOCIATES EIN 23-2903453 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $58K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $54K |
| AGNES BREEN EIN 23-1415471 EMPLOYEE | Direct payment from the plan Service code 50 | — | $54K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $54K |
| BRANDON KENISH EIN 23-1415471 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $54K |
| MARY C. JONIEC EIN 23-1415471 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $52K |
| DONNA DI FRANCESCO EIN 23-1415471 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $51K |
| TRUST BENEFIT TECHNOLOGIES EIN 26-1915362 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $48K |
| PATRICIA PERRONE EIN 23-1415471 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $43K |
| GABRIEL DEL GAISO EIN 23-1415471 EMPLOYEE | Employee (plan) Service code 30 | — | $42K |
| SUMMIT ACTUARIAL SERVICES LLC EIN 20-3838633 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $40K |
| JENNIFER LANGDON EIN 23-1415471 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $39K |
| MORGAN BREEN EIN 23-1415471 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $36K |
| AMERIHEALTH HMO, INC. EIN 23-2314460 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $33K |
| LOOMIS SAYLES & COMPANY LP EIN 04-3200030 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $33K |
| ELEANOR RILEY EIN 23-1415471 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $29K |
| CLEARY, JOSEM & TRIGLIANI LLP EIN 23-2657967 NONE | Legal; Direct payment from the plan Service code 29 | — | $26K |
| INVESTMENT PERFORMANCE SERVICES EIN 58-1645832 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $23K |
| PRINCIPAL FINANCIAL GROUP, INC. EIN 42-1520346 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $20K |
| WATCHKEEP NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 302 CHERRY STREET WEST READING, PA 19611 | $17K |
| COZEN O'CONNOR EIN 23-1732832 NONE | Legal; Direct payment from the plan Service code 29 | — | $14K |
| CALL A DOCTOR PLUS NONE | Direct payment from the plan; Other services Service code 49 | 166 ALBANY TURNPIKE, STE 8 CANTON, CT 06019 | $14K |
| CANCER STUDY GROUP LLC EIN 83-4163919 NONE | Other services; Direct payment from the plan Service code 49 | — | $12K |
| 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 |
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 | 2,013 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 184 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA INC | 35 | $8K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,786 | $807K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,786 | $807K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,786 | $807K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE CO. | 1,970 | $869K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,786 | $807K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,970 | — |
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.