| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS INC | 325 CHESTNUT STREET SUITE 1000 PHILADELPHIA, PA 19106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 8.16% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP, INC. | 325 CHESTNUT ST PHILADELPHIA, PA 19106 | AFLAC | $1K | $0 | $1K | — |
| ALFRED J SANFORD3 | 6425 DREXEL RD PHILADELPHIA, PA 19151 | AFLAC | $752 | $24 | $776 | — |
| ROGERS BENEFIT GROUP INC3 Filed as: TIMOTHY J ROGERS | 513 W GLENSIDE AVE GLENSIDE, PA 19038 | AFLAC | $408 | $0 | $408 | — |
| CAESAR D WILLIAMS JR3 | 325 CHESTNUT ST STE 8 PHILADELPHIA, PA 19106 | AFLAC | $284 | $5 | $289 | — |
| SVETLANA ZEITLIN3 | 105 ADDIS DR CHURCHVILLE, PA 18966 | AFLAC | $214 | $29 | $243 | — |
| SUPPLEMENTAL BENEFITS GRP OF PA INC3 Filed as: SUPPLEMENTAL BENEFITS GROUP OF PA | 325 CHESTNUT ST STE 8 PHILADELPHIA, PA 19106 | AFLAC | $225 | $0 | $225 | — |
| ANDREW J JUNIKIEWICZ JR3 | 22 BROOK HOLLOW DR SINKING SPRING, PA 19608 | AFLAC | $208 | $0 | $208 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $175 | $0 | $175 | — |
| BETH ANN JUNIKIEWICZ3 | 22 BROOK HOLLOW DR SINKING SPRINGS, PA 19428 | AFLAC | $132 | $0 | $132 | — |
| RUSSELL L. DAYVAULT3 Filed as: RUSSELL L DAYVAULT | 2777 MEADOWVIEW CT TARPON SPRING, FL 34688 | AFLAC | $58 | $0 | $58 | — |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $33 | $0 | $33 | — |
| DOROTHY ANN LEARY3 | 451 S BRYN MAWR AVE BRYN MAWR, PA 19010 | AFLAC | $28 | $0 | $28 | — |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTER LN NEW LONDON, NC 28127 | AFLAC | $16 | $0 | $16 | — |
| STEPHANIE DEVITO3 | 300 POND ST BRISTOL, PA 19007 | AFLAC | $15 | $0 | $15 | — |
| BERNARD LYNN DAYVAULT3 | 630 FORDHAM RD BALA CYNWYD, PA 19004 | AFLAC | $15 | $0 | $15 | — |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC | 100 W MATSONFORD RD BLDG 5 RADNOR, PA 19087 | AFLAC | $13 | $0 | $13 | — |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOCIATES, INC | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $13 | $0 | $13 | — |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | AFLAC | $12 | $0 | $12 | — |
| CONLON AND ASSOCIATES LLC3 | PO BOX 402 BRIDGEPORT, PA 19405 | AFLAC | $11 | $0 | $11 | — |
| RITA M HERINGTON3 | PO BOX 48 WALLINGFORD, PA 08037 | AFLAC | $8 | $3 | $11 | — |
| JOSE A SCHIENEMAN3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $10 | $0 | $10 | — |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $10 | $0 | $10 | — |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $9 | $0 | $9 | — |
| SEAN G HIGGINS3 | 1405 LARKSPUR LN MALVERN, PA 19355 | AFLAC | $6 | $0 | $6 | — |
| CARSON C PURIEFOY JR3 | PO BOX 301 WENONAH, NJ 08090 | AFLAC | $6 | $0 | $6 | — |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 100 W MATSONFORD RD BLDG 5 RADNOR, PA 19087 | AFLAC | $5 | $0 | $5 | — |
| WILLIAM JOHNSON3 | 471 WATERFORD EDGE CT ATCO, NJ 08004 | AFLAC | $5 | $0 | $5 | — |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $2 | $3 | $5 | — |
| MATHEW G. BERGER3 Filed as: MATHEW G BERGER | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $4 | $0 | $4 | — |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $4 | $0 | $4 | — |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $3 | $0 | $3 | — |
| THOMAS J POPPERT3 | 100 GRANITE DR. MEDIA, PA 19063 | AFLAC | $1 | $0 | $1 | — |
| DARLENE S DILLON3 Filed as: DARLENE DILLON | 1167 W BALTIMORE PIKE 239 LEXINGTON, SC 29072 | AFLAC | $1 | $0 | $1 | — |
| RICHARD WHELAN3 | 3887 NW 52ND ST BOCA RATON, FL 33496 | AFLAC | $1 | $0 | $1 | — |
| DARLENE S DILLON3 | 293 SHELL RD 55 E END AVE CARNEYS POINT, NJ 08069 | AFLAC | $1 | $0 | $1 | — |
| MICHAEL A FORNARO3 | 2712 US HWY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $0 | $0 | $0 | — |
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 | 221 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 29 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29 | — |
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.
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.