| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 15150 NW 79TH CT SUITE 200 MIAMI LAKES, FL 33016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | PO BOX 12748 ROANOKE, VA 34028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 13.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $1K | $2K | 3.98% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 127488 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 13.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $687 | $774 | $1K | 3.94% |
| ERIC ANTHONY GIROLAMO3 | 21 PRICETOWN ROAD FLEETWOOD, PA 19522 | AFLAC | $313 | $40 | $353 | 2.08% |
| JEFFREY C GRIM3 Filed as: JEFFREY C. GRIM | 4700 DUNHAM DRIVE READING, PA 19606 | AFLAC | $300 | — | $300 | 1.77% |
| JAMES ELDER BROOKS3 | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AFLAC | $215 | — | $215 | 1.27% |
| DENTON E QUICK3 Filed as: DENTON E. QUICK | 2202 WELLINGTON BLVD. WYOMISSING, PA 19610 | AFLAC | $164 | — | $164 | 0.97% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH B. MCGINTY JR. | 1150 GLENLEVIT DRIVE SUITE A13 ALLENTOWN, PA 18106 | AFLAC | $117 | $8 | $125 | 0.74% |
| DAVID C WILSON3 Filed as: DAVID C. WILSON | 602 EDWARDS AVENUE POTTSVILLE, PA 17901 | AFLAC | $122 | — | $122 | 0.72% |
| WENDY M BOONE3 Filed as: WENDY M. BOONE | 1901 SEIPSTOWN ROAD FOGELSVILLE, PA 18051 | AFLAC | $98 | $8 | $106 | 0.62% |
| GARY J BRENNAN II3 Filed as: GARY J. BRENNAN II | 460 N. CLAUDE A LORD BLVD. POTTSVILLE, PA 17901 | AFLAC | $82 | — | $82 | 0.48% |
| THE HORTON GROUP3 Filed as: ALEX BELFORT | 3010 REGENCY DRIVE SINKING SPRING, PA 19608 | AFLAC | $71 | — | $71 | 0.42% |
| JACQUELINE M EBERZ3 Filed as: JACQUELINE M. EBERZ | 98 LAMP POST ROAD NEW BRITAIN, PA 18901 | AFLAC | $68 | — | $68 | 0.40% |
| TRACY ANN ANDERSON3 | 2115 WEST MARKET STREET POTTSVILLE, PA 17901 | AFLAC | $24 | — | $24 | 0.14% |
| MATTHEW G BERGER3 Filed as: MATTHEW G. BERGER | 22 SUNNYRIDGE ROAD PHILADELPHIA, PA 19125 | AFLAC | $14 | — | $14 | 0.08% |
| DIANNE L MARTIN3 Filed as: DIANNE L. MARTIN | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $11 | — | $11 | 0.06% |
| DARREN D RIDDLE3 Filed as: DARREN D. RIDDLE | 7850 AVONDALE TERRACE HARRISBURG, PA 17112 | AFLAC | $11 | — | $11 | 0.06% |
| IRENE E BROOKS3 Filed as: IRENE E. BROOKS | 101 COPPER BEECH LANE WOMELSDORF, PA 19567 | AFLAC | $8 | — | $8 | 0.05% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER A. LUPP | 940 E. PARK DRIVE SUITE 301 HARRISBURG, PA 17111 | AFLAC | $8 | — | $8 | 0.05% |
| MARK D BARBIER3 Filed as: MARK D. BARBIER | 23 CROYDON LANE OAK BROOK, IL 60523 | AFLAC | $6 | — | $6 | 0.04% |
| RYAN K GOLDBERG3 | 103 CHURCH STREET #3 PHILADELPHIA, PA 19106 | AFLAC | $4 | — | $4 | 0.02% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $3 | — | $3 | 0.02% |
| MARTIN E BYSTROM3 Filed as: MARTIN E. BYSTROM | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | — | $1 | 0.01% |
| EDWARD FRANCIS KLINGES3 | 10 BLACKBUM LANE HAVERFORD, PA 19041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $542 | $511 | $1K | 16.68% |
| JENNIFER STONE3 | 1512 BOOK ROAD LANCASTER, PA 17602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $728 | — | $728 | 11.53% |
| PATRICIA ANNE PRENDERGAST3 | 1385 BITTERSWEET LANE WEST CHESTER, PA 19380 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | $32 | $144 | 2.28% |
| MARY JO MCWILLIAMS3 Filed as: MARY JO WILLIAMS | 6 DARTMOUTH LANE HAVERFORD, PA 19041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 1.25% |
| BENECHOICE ENROLLMENT SOLUTIONS3 Filed as: BENECHOICE ENROLLMENT SOLUTIONS LLC | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.57% |
| LEITZ INSURANCE AGENCY LLC3 Filed as: LEITZ INSURANCE AGENCYLLC | 10 TRADITION CIRCLE EGG HARBOR TOWNSHIP, NJ 08234 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $18 | $31 | 0.49% |
| ARDENA L MCVICKER3 Filed as: ARDENA MCVICKER | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.32% |
| ASHLY ELCOCK3 | 200 TATTLETOWN ROAD AARONSBURG, PA 16820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.25% |
| MERRIDITH STANTON3 | 316 WOODLAWN TERRACE COLLINGSWOOD, NJ 08108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC. EIN 23-1294723 ADMINISTRATIVE | Claims processing Service code 12 | — | $166K |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 258 | $204K |
| Vision | HIGHMARK INC. | 258 | $33K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 280 | $43K |
| Short-term disability | AFLAC | 22 | $17K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 280 | $62K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 280 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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."
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.