| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | 100 MATSONFORD RD FIVE RADNOR CORP CTR #200 RADNOR, PA 19087 | KEYSTONE | $101K | $0 | $101K | 4.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PA | PO BOX 9052 RADNOR, PA 190874582 | SYMETRA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 12.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | 100 MATSONFORD RD SUITE 200 BLDG 5 RADNOR, PA 190874582 | DELTA DENTAL OF PENNSYLVANIA | $4K | $0 | $4K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 100 MATSONFORD RD FIVE RADNOR CORP CTR #200 RADNOR, PA 19087 | AMERIHEALTH HMO, INC. | $2K | $0 | $2K | 4.60% |
| ROGERS BENEFIT GROUP INC3 Filed as: TIMOTHY ROGERS | PO BOX 781 GLENSIDE, PA 19036 | AFLAC | $3K | $136 | $3K | 11.18% |
| BETH ANN JUNIKIEWICZ3 Filed as: BETH JUNIKIEWICZ | 22 BROOK HOLLOW DR SINKING SPRING, PA 19608 | AFLAC | $805 | $34 | $839 | 3.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PA | 100 MATSONFORD ROAD BLDG 5 STE 200 RADNOR, PA 19087 | AFLAC | $498 | $0 | $498 | 1.85% |
| ERIC R MACDOUGALL3 | 1 NESHAMINY INTERPLEX STE 201 TREVOSE, PA 19053 | AFLAC | $410 | $27 | $437 | 1.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $371 | $0 | $371 | 1.37% |
| MATTHEW T O'HANLON3 Filed as: MATTHEW OHANLON | 100 W ELM ST STE 101 CONSHOHOCKEN, PA 19428 | AFLAC | $360 | $11 | $371 | 1.37% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW JUNKIEWICZ JR | 22 BROOK HOLLOW DR SINKING SPRING, PA 19608 | AFLAC | $186 | $0 | $186 | 0.69% |
| MATTHEW G BERGER3 Filed as: MATTHEW BERGER | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $116 | $31 | $147 | 0.54% |
| JOSE A SCHIENEMAN3 Filed as: JOSE SCHIENEMAN | 1020 N DELAWARE AVE STE 4 PHILADELPHIA, PA 19125 | AFLAC | $107 | $4 | $111 | 0.41% |
| WILLIAM JOHNSON3 | 471 WATERFORDS EDGE CT ATCO, NJ 08004 | AFLAC | $102 | $0 | $102 | 0.38% |
| BERNARD MERRIWEATHER3 | 223 W ZERALDA ST PHILADELPHIA, PA 19144 | AFLAC | $86 | $0 | $86 | 0.32% |
| ROGERS BENEFIT GROUP INC3 Filed as: DENISE ROGERS | 313 COUNTRY CLUB DR LANSDALE, PA 19446 | AFLAC | $83 | $0 | $83 | 0.31% |
| STEPHANIE DEVITO3 | 300 POND ST BRISTOL, PA 19007 | AFLAC | $63 | $16 | $79 | 0.29% |
| DOROTHY ANN LEARY3 Filed as: DOROTHY LEARY | 451 S BRYN MAWR AVE BRYN MAWR, PA 19010 | AFLAC | $28 | $0 | $28 | 0.10% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR WILLIAMS JR | 123 S BROAD ST STE 1640 PHILADELPHIA, PA 19109 | AFLAC | $24 | $0 | $24 | 0.09% |
| CONLON AND ASSOCIATES LLC3 | PO BOX 402 BRIDGEPORT, PA 19405 | AFLAC | $23 | $0 | $23 | 0.09% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC INC. | ONE NESHAMINY INTERPLEX STE 201 TREVOSE, PA 19053 | AFLAC | $22 | $0 | $22 | 0.08% |
| DARLENE S DILLON3 | 282 SHELL RD CARNEYS POINT, NJ 08069 | AFLAC | $18 | $0 | $18 | 0.07% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $16 | $0 | $16 | 0.06% |
| RICHARD WHELAN3 | 3507 NW CLUBSIDE CIR BOCA RATON, FL 33496 | AFLAC | $13 | $3 | $16 | 0.06% |
| MICHAEL FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $10 | $3 | $13 | 0.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY ROAD #300 WARRINGTON, PA 18976 | AFLAC | $12 | $0 | $12 | 0.04% |
| VINCENT MORELLI3 | 748 5TH ST LYNDHURST, NJ 07071 | AFLAC | $12 | $0 | $12 | 0.04% |
| ANNA REIS3 | 6 LONGLEAF DR HAMILTON, NJ 08690 | AFLAC | $9 | $0 | $9 | 0.03% |
| RITA M HERINGTON3 Filed as: RITA HERINGTON | PO BOX 46 WALLINGFORD, PA 19086 | AFLAC | $8 | $0 | $8 | 0.03% |
| ROBERT BRENTARI3 | 2 PRINCESS RD LAWRENCEVILLE, NJ 08648 | AFLAC | $4 | $0 | $4 | 0.01% |
| LORENZO V CUTAIA3 Filed as: LORENZO CUTAIA | 123 AALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $1 | $0 | $1 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | 100 MATSONFORD RD FIVE RADNOR CORP CTR #200 RADNOR, PA 19087 | INDEPENDENCE BLUE CROSS | $1K | $0 | $1K | 5.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PA | SUITE 200 BLDG 5 100 MATSONFORD RD RADNOR, PA 190874582 | UNUM LIFE INS. CO. | $1K | $135 | $1K | 8.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORES AND ASSOCIATES EIN 56-1542307 HRA ADMIN | Claims processing Service code 12 | — | $7K |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KEYSTONE | 199 | $2.6M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 239 | $71K |
| Vision | INDEPENDENCE BLUE CROSS | 1 | $25K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 212 | $117K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 212 | $117K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 212 | $117K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 1 | $25K |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 212 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.