| 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 | $64K | $0 | $64K | 2.43% |
| CBDI, INC.3 Filed as: CBDI | 9 EVES DR SUITE 150 MARLTON, NJ 08053 | KEYSTONE | $60K | $0 | $60K | 2.26% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS | 2218 RACE ST PHILADELPHIA, PA 19103 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $0 | $9K | 7.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | 100 MATSONFORD RD BLDG 5 STE 200 RADNOR, PA 19087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 4.24% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP | 2218 RACE ST PHILADELPHIA, PA 19103 | DELTA DENTAL OF PENNSYLVANIA | $2K | $0 | $2K | 2.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | 100 MASTSONFORD RD. BLDG 5 STE. 200 SUITE 200 RADNOR, PA 19087 | DELTA DENTAL OF PENNSYLVANIA | $929 | $0 | $929 | 1.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PA INC. | 100 MATSONFORD RD FIVE RADNOR CORP CTR #200 RADNOR, PA 19087 | AMERIHEALTH HMO INC. | $1K | $0 | $1K | 3.33% |
| CBDI, INC.3 Filed as: CBDI | 9 EVES DR SUITE 150 MARLTON, NJ 08053 | AMERIHEALTH HMO INC. | $1K | $0 | $1K | 2.44% |
| ROGERS BENEFIT GROUP INC3 Filed as: TIMOTHY ROGERS | PO BOX 781 GLENSIDE, PA 19038 | AFLAC | $2K | $145 | $2K | 7.55% |
| BETH ANN JUNIKIEWICZ3 Filed as: BETH JKUNIKIEWICZ | 22 BROOK HOLLOW DR SINKING SPRING, PA 19608 | AFLAC | $513 | $44 | $557 | 2.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | AFLAC | $337 | $0 | $337 | 1.22% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL | 1 NESHAMINY INTERPLEX DR STE 201 TREVOSE, PA 19053 | AFLAC | $272 | $29 | $301 | 1.09% |
| MATTHEW T O'HANLON3 Filed as: MATTHEW OHANOLN | PO BOX 978 CONSHOCKEN, PA 19428 | AFLAC | $263 | $29 | $292 | 1.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | 100 MATSONFORD ROAD BLDG 5 STE 200 RADNOR, PA 19087 | AFLAC | $214 | $0 | $214 | 0.77% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW JUNIKIEWICZ | 22 BROOK HOLLOW DR SINKING SPRING, PA 19608 | AFLAC | $183 | $0 | $183 | 0.66% |
| WILLIAM JOHNSON3 | 471 WATERFORDS EDGE CT ATCO, NJ 08004 | AFLAC | $69 | $20 | $89 | 0.32% |
| JOSE A SCHIENEMAN3 Filed as: JOSE SCHIENEMAN | 1020 N DELAWARE AVE STE 4 PHILADELPHIA, PA 19125 | AFLAC | $61 | $20 | $81 | 0.29% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $53 | $0 | $53 | 0.19% |
| STEPHANIE DEVITO3 | 300 POND ST BRISTOL, PA 19007 | AFLAC | $40 | $0 | $40 | 0.14% |
| DOROTHY ANN LEARY3 Filed as: DOROTHY LEARY | 451 S BRYN MAWR AVE BRYN MAWR, PA 10010 | AFLAC | $36 | $0 | $36 | 0.13% |
| ROGERS BENEFIT GROUP INC3 Filed as: DENISE ROGERS | 313 COUNTRY CLUB DR LANSDALE, PA 19446 | AFLAC | $31 | $0 | $31 | 0.11% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR WILLIAMS JR | 123 S BROAD ST STE 1840 PHILADELPHIA, PA 19109 | AFLAC | $30 | $0 | $30 | 0.11% |
| CONLON AND ASSOCIATES LLC3 | PO BOX 402 BRIDGEPORT, PA 19405 | AFLAC | $27 | $0 | $27 | 0.10% |
| DARLENE S DILLON3 | 282 SHELL RD CARNEYS POINT, NJ 08069 | AFLAC | $21 | $0 | $21 | 0.08% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 26127 | AFLAC | $20 | $0 | $20 | 0.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD #300 WARRINGTON, PA 18976 | AFLAC | $16 | $0 | $16 | 0.06% |
| ANNA REIS3 | 9 LONGLEAF DR HAMILTON, NJ 08690 | AFLAC | $11 | $0 | $11 | 0.04% |
| RITA M HERINGTON3 Filed as: RITA HERINGTON | PO BOX 48 WALLINGFORD, PA 19086 | AFLAC | $11 | $0 | $11 | 0.04% |
| RYAN GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $4 | $5 | $9 | 0.03% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $6 | $2 | $8 | 0.03% |
| RICHARD WHELAN3 | 3507 NW CLUBSIDE CIR BOCA RATON, FL 33496 | AFLAC | $5 | $0 | $5 | 0.02% |
| VINCENT MORELLI3 | 746 5TH ST L LYNDHURST, NJ 07071 | AFLAC | $5 | $0 | $5 | 0.02% |
| ROBERT BRENTARI3 | 2 PRINCESS RD LAWRENCEVILLE, NJ 08648 | AFLAC | $5 | $0 | $5 | 0.02% |
| DARREN RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $3 | $2 | $5 | 0.02% |
| CARSON C PURIEFOY JR3 Filed as: CARSON PURIEFOY JR | 309 COLONIAL DR WENONAH, NJ 08090 | AFLAC | $3 | $0 | $3 | 0.01% |
| SEAN G HIGGINS3 Filed as: SEAN HIGGINS | 806 DOVER COURT PL DOWNINGTOWN, PA 19335 | AFLAC | $2 | $0 | $2 | 0.01% |
| MARTIN E BYSTROM3 Filed as: MARTIN BYSTROM | 333 OVERLOOK LN GULPH MILLS, PA 19428 | AFLAC | $1 | $0 | $1 | 0.00% |
| MICHAEL FORNARO3 | 271 US HIGHWAY 15 ST H 119 FAIRFIELD, NJ 07004 | AFLAC | $1 | $0 | $1 | 0.00% |
| THOMAS J POPPERT3 Filed as: THOMAS POPPERT | 1001 RAY COSTIN WAY UNIT 1601 MURRELLS INLET, SC 29576 | AFLAC | $1 | $0 | $1 | 0.00% |
| LORENZO V CUTAIA3 Filed as: LORENZO CUTIA | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $1 | $0 | $1 | 0.00% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $1 | $0 | $1 | 0.00% |
| TARA D AGOSTINO3 | 271 US HIGHWAY 46 STE D207 FAIRFIELD, NJ 07004 | AFLAC | $1 | $0 | $1 | 0.00% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS INC. | 2218 RACE ST PHILADELPHIA, PA 19103 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | $947 | $0 | $947 | 5.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | 100 MATSONFORD RD STE 200 BLDG 5 RADNOR, PA 190874582 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | $629 | $40 | $669 | 3.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PA INC. | 100 MATSONFORD RD FIVE RADNOR CORP CTR #200 RADNOR, PA 19087 | INDEPENDENCE BLUE CROSS | $401 | $0 | $401 | 2.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORES AND ASSOCIATES EIN 56-1542307 ADMIN | Claims processing Service code 12 | — | $7K |
| PAYFLEX ADMIN | Claims processing Service code 12 | 10802 FARNAM DRIVE OMAHA, NE 68154 | $6K |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KEYSTONE | 218 | $2.7M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 230 | $73K |
| Vision | INDEPENDENCE BLUE CROSS | 4 | $17K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 191 | $132K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 191 | $132K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 191 | $132K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 4 | $17K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 191 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.