| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 21 EAST 5TH AVENUE CONSHOHOCKEN, PA 19428 | INDEPENDENCE ADMINISTRATORS | $54K | — | $54K | 12.71% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE SUITE 204 CONSHOHOCKEN, PA 19428 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 2.87% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS DBA MF IRVINE | 21 EAST 5TH AVENUE SUITE 204 CONSHOHOCKEN, PA 19428 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 1.58% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE #4500 HUNT VALLEY, MD 21031 | NATIONWIDE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.29% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 408 KENNETT SQUARE, PA 19348 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 8.24% |
| AP BENEFIT ADVISORS, LLC3 | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | UNITEDHEALTHCARE INSURANCE COMPANY | $563 | — | $563 | 2.53% |
| LIFE AND HEALTH SVCS3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $1K | — | $1K | 5.77% |
| MICHAEL F. RANDLER, JR.3 Filed as: MICHAEL F RANDLER JR | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $963 | $60 | $1K | 4.91% |
| FREDERICK W WILSON III3 | 572 BELLEVUE RD NEWARK, DE 19713 | AFLAC | $214 | $24 | $238 | 1.14% |
| BILLY J REEDY3 | 319 JOAN DR BEAR, DE 19701 | AFLAC | $189 | $24 | $213 | 1.02% |
| DARLENE S DILLON3 | 293 SHELL ROAD CARNEYS POINT, NJ 08069 | AFLAC | $108 | — | $108 | 0.52% |
| CHRIS WALKER3 Filed as: CHRIS (JOHN) WALKER | 2035 LIAMARIE WAY WINTER HAVEN, FL 33884 | AFLAC | $66 | — | $66 | 0.32% |
| LEILA RAPPAPORT3 | 116 LAKS DR MIDDLETOWN, DE 19709 | AFLAC | $42 | — | $42 | 0.20% |
| JENNIFER BAGLEY3 | 133 CANAL WAY NEWARK, DE 19702 | AFLAC | $38 | — | $38 | 0.18% |
| BERNARD L JESSUP III3 | 4 MOODY PL NEWARK, DE 19702 | AFLAC | $32 | — | $32 | 0.15% |
| BRADLEY S JONES3 | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC | $18 | — | $18 | 0.09% |
| MICHAEL C WALKER3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $17 | — | $17 | 0.08% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD STE 214 COLUMBIA, MD 21044 | AFLAC | $15 | — | $15 | 0.07% |
| LISA M PERRY3 | 1300 W 12TH AVE BROOMFIELD, CO 80020 | AFLAC | $13 | — | $13 | 0.06% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $11 | — | $11 | 0.05% |
| JASON D ELLIS3 | 203 MARKET ST STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $11 | — | $11 | 0.05% |
| MICHAEL EDWARD RISKA3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $11 | — | $11 | 0.05% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 336 SPARTA, NJ 07871 | AFLAC | $6 | — | $6 | 0.03% |
| JAMES M PITZ3 | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $3 | — | $3 | 0.01% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $2 | — | $2 | 0.01% |
| LISA M HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | AFLAC | $2 | — | $2 | 0.01% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $1 | — | $1 | 0.00% |
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 | 566 | 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) | 566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE ADMINISTRATORS | 360 | $447K |
| Dental | AETNA LIFE INSURANCE CO. | 418 | $121K |
| Life insurance | NATIONWIDE LIFE INSURANCE COMPANY | 566 | $65K |
| Prescription drug | INDEPENDENCE ADMINISTRATORS | 224 | $424K |
| Other(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE COMPANY | 566 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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.
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.