| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP | 325 CHESTNUT STREET SUITE 1000 PHILADELPHIA, PA 19106 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $144K | $151K | 6.24% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $50K | $50K | 2.06% |
| HEALTHY BUSINESS GROUP LLC3 | 34 BAY STREET PO BOX 1346 SAG HARBOR, NY 11963 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $42K | $42K | 1.72% |
| EXUDE BENEFITS GROUP INC3 | 325 CHESTNUT STREET SUITE 1000 PHILADELPHIA, PA 19106 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $0 | $14K | 8.95% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 3.32% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP | 325 CHESTNUT STREET SUITE 1000 PHILADELPHIA, PA 19106 | AFLAC | $2K | $0 | $2K | 5.45% |
| ALFRED SANFORD3 | 6425 DREXEL ROAD PHILADELPHIA, PA 19151 | AFLAC | $1K | $254 | $1K | 4.83% |
| ROGERS BENEFIT GROUP INC3 Filed as: TIMOTHY ROGERS | PO BOX 781 GLENSIDE, PA 19038 | AFLAC | $608 | $0 | $608 | 2.03% |
| SVETLANA ZEITLIN3 | 105 ADDIS DRIVE CHURCHVILLE, PA 18966 | AFLAC | $519 | $88 | $607 | 2.02% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR WILLIAMS JR | 325 CHESTNUT STREET 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $454 | $59 | $513 | 1.71% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW JUNIKIEWICZ JR | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $440 | $68 | $508 | 1.69% |
| RUSSELL L. DAYVAULT3 Filed as: RUSSELL DAYVAULT | 2777 MEADOWVIEW COURT TARPON SPRINGS, FL 34688 | AFLAC | $337 | $59 | $396 | 1.32% |
| SUPPLEMENTAL BENEFITS GRP OF PA INC3 | 325 CHESNUT STREET 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $262 | $0 | $262 | 0.87% |
| BETH ANN JUNIKIEWICZ3 Filed as: BETH JUNIKIEWICZ | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $254 | $0 | $254 | 0.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $214 | $0 | $214 | 0.71% |
| BERNARD LYNN DAYVAULT3 Filed as: BERNARD DAYVAULT | 630 FORDHAM RD BALA CYNWYD, PA 19004 | AFLAC | $172 | $0 | $172 | 0.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | 100 MATSONFORD ROAD BUILDING 5 RADNOR, PA 19087 | AFLAC | $90 | $0 | $90 | 0.30% |
| MATTHEW T O'HANLON3 Filed as: MATTHEW OHANLON | 100 W ELM STREET SUITE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $69 | $0 | $69 | 0.23% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $57 | $0 | $57 | 0.19% |
| JOSE A SCHIENEMAN3 Filed as: JOSE SCHIENEMAN | 4515 S MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $39 | $8 | $47 | 0.16% |
| WILLIAM JOHNSON3 | 471 WATERFORDS EDGE COURT ATCO, NJ 08004 | AFLAC | $36 | $0 | $36 | 0.12% |
| MATTHEW G BERGER3 Filed as: MATTHEW BERGER | 22 SUNNYRIDGE ROAD PHILADELPHIA, PA 19125 | AFLAC | $32 | $0 | $32 | 0.11% |
| DOROTHY ANN LEARY3 Filed as: DOROTHY LEARY | 451 S BRYN MAWR AVENUE BRYN MAWR, PA 19010 | AFLAC | $31 | $0 | $31 | 0.10% |
| STEPHANIE DEVITO3 | 300 POND STREET BRISTOL, PA 19007 | AFLAC | $21 | $0 | $21 | 0.07% |
| CONLON AND ASSOCIATES LLC3 | PO BOX 402 BRIDGEPORT, PA 19405 | AFLAC | $20 | $0 | $20 | 0.07% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $17 | $0 | $17 | 0.06% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $15 | $0 | $15 | 0.05% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOCIATES INC | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $14 | $0 | $14 | 0.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | AFLAC | $13 | $0 | $13 | 0.04% |
| RYAN GOLDBERG3 | 103 CHURCH STREET SUITE 3 PHILADELPHIA, PA 19106 | AFLAC | $10 | $0 | $10 | 0.03% |
| ANNA REIS3 | 612 ELLISON DRIVE NORTH WALES, PA 19454 | AFLAC | $10 | $0 | $10 | 0.03% |
| RITA M HERINGTON3 Filed as: RITA HERINGTON | PO BOX 48 WALLINGFORD, PA 19086 | AFLAC | $9 | $0 | $9 | 0.03% |
| DARLENE S DILLON3 | 293 SHELL ROAD CARNEYS POINT, NJ 08069 | AFLAC | $8 | $0 | $8 | 0.03% |
| CARSON C PURIEFOY JR3 Filed as: CARSON PURIEFOY JR | PO BOX 301 WENONAH, NJ 08090 | AFLAC | $7 | $0 | $7 | 0.02% |
| SEAN G HIGGINS3 Filed as: SEAN HIGGINS | 1405 LARKSPUR LANE MALVERN, PA 19355 | AFLAC | $7 | $0 | $7 | 0.02% |
| DARREN RIDDLE3 | 7850 AVONDALE TERRACE HARRISBUGRG, PA 17112 | AFLAC | $6 | $0 | $6 | 0.02% |
| ROBERT BRENTARI3 | 2 PRINCESS ROAD LAWRENCEVILLE, NJ 08648 | AFLAC | $4 | $0 | $4 | 0.01% |
| RICHARD WHELAN3 | 3507 NORTHWEST CLUBSIDE CIRCLE BOCA RATON, FL 33496 | AFLAC | $3 | $0 | $3 | 0.01% |
| MARTIN E BYSTROM3 Filed as: MARTIN BYSTROM | 253 MINORCA BEACH WAY APARTMENT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $3 | $0 | $3 | 0.01% |
| THOMAS J POPPERT3 Filed as: THOMAS POPPERT | 1001 RAY COSTIN WAY UNIT 1601 MURRELLS INLET, SC 29576 | AFLAC | $1 | $0 | $1 | 0.00% |
| MICHAEL FORNARO3 | 271 US HIGHWAY 46 SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $1 | $0 | $1 | 0.00% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $1 | $0 | $1 | 0.00% |
| LORENZO V CUTAIA3 Filed as: LORENZO CUTAIA | 123 AZALEA LANE EGG HARBOUR TOWNSHIP, NJ 08234 | AFLAC | $1 | $0 | $1 | 0.00% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS INC | 325 CHESTNUT STREET SUITE 1000 PHILADELPHIA, PA 19106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 12.27% |
No Schedule C service providers reported on this filing.
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 219 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 219 | $2.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 219 | $2.4M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $152K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $152K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $152K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 219 | $2.4M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.