| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD C SAVOY INC3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | AFLAC | $795 | $0 | $795 | 4.12% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP, INC. | 325 CHESTNUT ST PHILADELPHIA, PA 19106 | AFLAC | $546 | $0 | $546 | 2.83% |
| ALFRED J SANFORD3 | 6425 DREXEL RD PHILADELPHIA, PA 19151 | AFLAC | $389 | $109 | $498 | 2.58% |
| BRIAN MILLER3 | 52 COURT STREET FREEHOLD, NJ 07728 | AFLAC | $473 | $0 | $473 | 2.45% |
| ROGERS BENEFIT GROUP INC3 Filed as: TIMOTHY J ROGERS | 513 W GLENSIDE AVE GLENSIDE, PA 19038 | AFLAC | $245 | $0 | $245 | 1.27% |
| JANELLE MARIE GADOMSKI3 | 48 FAIRVIEW AVE PARK RIDGE, NJ 07656 | AFLAC | $191 | $0 | $191 | 0.99% |
| CAESAR D WILLIAMS JR3 | 325 CHESTNUT ST STE 8 PHILADELPHIA, PA 19106 | AFLAC | $155 | $25 | $180 | 0.93% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $131 | $0 | $131 | 0.68% |
| SUPPLEMENTAL BENEFITS GRP OF PA INC3 Filed as: SUPPLEMENTAL BENEFITS GROUP OF PA | 325 CHESTNUT ST STE 8 PHILADELPHIA, PA 19106 | AFLAC | $128 | $0 | $128 | 0.66% |
| ANDREW J JUNIKIEWICZ JR3 | 22 BROOK HOLLOW DR SINKING SPRING, PA 19608 | AFLAC | $111 | $0 | $111 | 0.58% |
| MATTHEW T OHANLON3 | 101 W ELM ST STE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $73 | $25 | $98 | 0.51% |
| SVETLANA ZEITLIN3 | 105 ADDIS DR CHURCHVILLE, PA 18966 | AFLAC | $88 | $0 | $88 | 0.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $88 | $0 | $88 | 0.46% |
| BETH ANN JUNIKIEWICZ3 | 22 BROOK HOLLOW DR SINKING SPRING, PA 19428 | AFLAC | $88 | $0 | $88 | 0.46% |
| RUSSELL L. DAYVAULT3 Filed as: RUSSELL L DAYVAULT | 2777 MEADOWVIEW CT TARPON SPRING, FL 34688 | AFLAC | $58 | $0 | $58 | 0.30% |
| DOROTHY ANN LEARY3 | 451 S BRYN MAWR AVE BRYN MAWR, PA 19010 | AFLAC | $28 | $0 | $28 | 0.15% |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $22 | $0 | $22 | 0.11% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTER LN NEW LONDON, NC 28127 | AFLAC | $16 | $0 | $16 | 0.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC | 100 W MATSONFORD RD BLDG 5 RADNOR, PA 19087 | AFLAC | $16 | $0 | $16 | 0.08% |
| BERNARD LYNN DAYVAULT3 | 630 FORDHAM RD BALA CYNWYD, PA 19004 | AFLAC | $12 | $0 | $12 | 0.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | AFLAC | $12 | $0 | $12 | 0.06% |
| RITA M HERINGTON3 | PO BOX 48 WALLINGFORD, PA 08037 | AFLAC | $8 | $0 | $8 | 0.04% |
| DARLENE S DILLON3 Filed as: DARLENE DILLON | 120 WOODSIDE RD LEXINGTON, SC 29072 | AFLAC | $8 | $0 | $8 | 0.04% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOCIATES, INC | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $7 | $0 | $7 | 0.04% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $5 | $0 | $5 | 0.03% |
| WILLIAM JOHNSON3 | 471 WATERFORD EDGE CT ATCO, NJ 08004 | AFLAC | $5 | $0 | $5 | 0.03% |
| JOSE A SCHIENEMAN3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $4 | $0 | $4 | 0.02% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $4 | $0 | $4 | 0.02% |
| SEAN G HIGGINS3 | 1405 LARKSPUR LN MALVERN, PA 19355 | AFLAC | $4 | $0 | $4 | 0.02% |
| CONLON AND ASSOCIATES LLC3 | PO BOX 402 BRIDGEPORT, PA 19405 | AFLAC | $3 | $0 | $3 | 0.02% |
| CARSON C PURIEFOY JR3 | PO BOX 301 WENONAH, NJ 08090 | AFLAC | $3 | $0 | $3 | 0.02% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $3 | $0 | $3 | 0.02% |
| STEPHANIE DEVITO3 | 300 POND ST BRISTOL, PA 19007 | AFLAC | $2 | $0 | $2 | 0.01% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $2 | $0 | $2 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | $0 | $1 | 0.01% |
| THOMAS J POPPERT3 | 100 GRANITE DR. MEDIA, PA 19063 | AFLAC | $1 | $0 | $1 | 0.01% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS INC | 325 CHESTNUT STREET STE 1000 PHILADELPHIA, PA 19106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 13.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAIN LINE HEALTH EIN 23-2308668 ADMIN | Claims processing Service code 12 | — | $3K |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(2 contracts, 2 carriers) | AFLAC | 20 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.