| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 W MATSONFORD RD RADNOR, PA 190874558 | GERBER LIFE INSURANCE COMPANY | $27K | — | $27K | 15.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 W MATSONFORD RD RADNOR, PA 190874558 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $112 | $5K | 4.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 606945287 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $16K | $8K | $24K | 23.08% |
| JASON ARMENTI3 | 25 E SPRING VALLEY AVENUE, STE 260 MAYWOOD, NJ 07607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $322 | — | $322 | 10.02% |
| JENIFER NEELY3 | P.O. BOX 774134 HARRISBURG, PA 171774134 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $161 | — | $161 | 5.01% |
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 | 335 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REVIVEHEALTH | 0 | $10K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 335 | $116K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 335 | $116K |
| Life insurance(3 contracts, 3 carriers) | GERBER LIFE INSURANCE COMPANY | 335 | $398K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 227 | $106K |
| Long-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 335 | $222K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 335 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.