| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 RADNOR CORPORATE CENTER STREET RADNOR, PA 19087 | HEALTH OPTIONS | $40K | — | $40K | 5.00% |
| STEPHEN MICHAEL SALINGER3 | 1470 SUSQUEHANNA ROAD ROYAL TRAIN STATION BOULEVARD JENKINTOWN, PA 19046 | AETNA LIFE INSURANCE COMPANY | $9K | — | $9K | 6.26% |
| STEPHEN MICHAEL SALINGER3 | 1270 VALLEY ROAD RYDAL, PA 19046 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 2.83% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $583 | — | $583 | 0.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 FELLOWSHIP ROAD, SUITE 100 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $573 | — | $573 | 0.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | FOUR RANDOR CORPORATE CENTER SUITE 510 RANDOR, PA 19087 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $10K | — | $10K | 17.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 RANDOR CORPORATE CENTER SUITE 110 RANDOR, PA 19087 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $2K | — | $2K | 5.97% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $505 | — | $505 | 1.99% |
| BENEFITMALL3 | 6750 NORTH ANDREWS AVENUE SUITE 125 FT. LAUDERDALE, FL 33309 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $22 | — | $22 | 0.09% |
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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS | 85 | $805K |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 246 | $220K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 223 | $138K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 223 | $138K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 223 | $138K |
| Prescription drug | HEALTH OPTIONS | 85 | $805K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 223 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.