| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO RADNOR CORPORATE CENTER RADNOR, PA 19087 | HEALTH OPTIONS | $39K | $0 | $39K | 5.00% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC. | 25 B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | STANDARD INSURANCE COMPANY | $5K | $6K | $11K | 9.53% |
| STEPHEN M. SALINGER3 | 54 AVALON COURT DOYLESTOWN, PA 18901 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 7.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4 RADNOR CORPORATE CENTER SUITE 510 RANDOR, PA 19087 | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $794 | $3K | 12.55% |
| INDEPENDENCE PLANNING GROUP3 Filed as: INDEPENDENCE PLANNING GROUP, LLC | 1767 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $68 | $0 | $68 | 0.32% |
| THE ADDIS GROUP LLC3 Filed as: THE ADDIS GROUP | 3605 GLENWOOD AVENUE, SUITE 201 RALEIGH, NC 27612 | FEDERAL INSURANCE COMPANY | $1K | $35 | $1K | 15.49% |
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 | 82 | $774K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 252 | $79K |
| Life insurance | STANDARD INSURANCE COMPANY | 223 | $114K |
| Short-term disability | STANDARD INSURANCE COMPANY | 223 | $114K |
| Long-term disability | STANDARD INSURANCE COMPANY | 223 | $114K |
| Prescription drug | HEALTH OPTIONS | 82 | $774K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 223 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.