| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENJAMIN R MORLEY3 | 5311 WHEATLAND DR ZIONSVILLE, PA 18092 | AFLAC | $289 | $0 | $289 | 3.57% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | AFLAC | $125 | $0 | $125 | 1.54% |
| AARON J GEISER3 | 1754 RED BUD RD QUAKERTOWN, PA 18951 | AFLAC | $106 | $0 | $106 | 1.31% |
| THOMAS B DAVIS3 | 835 ROSEHILL DR KING OF PRUSSIA, PA 19406 | AFLAC | $78 | $0 | $78 | 0.96% |
| STEPHEN C SIBEL3 | 86 MAPLE AVE COLLEGEVILLE, PA 19426 | AFLAC | $69 | $0 | $69 | 0.85% |
| ANDREW J JUNIKIEWICZ JR3 | 22 BROOK HOLLOW DR SINKING SPRING, PA 19608 | AFLAC | $36 | $0 | $36 | 0.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 645 HAMILTON ST STE 1002 ALLENTOWN, PA 18101 | AFLAC | $35 | $0 | $35 | 0.43% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $31 | $0 | $31 | 0.38% |
| SVETLANA ZEITLIN3 | 105 ADDIS DR CHURCHVILLE, PA 18966 | AFLAC | $27 | $0 | $27 | 0.33% |
| MICHELE L BOGRETTE3 Filed as: MICHELE L BORGETTE | 109 BELLE VISTA CT WINSTON SALEM, NC 27106 | AFLAC | $18 | $0 | $18 | 0.22% |
| EDWARD F MROWKA JR3 | 5106 TIMBER LN SCHNECKSVILLE, PA 18078 | AFLAC | $17 | $0 | $17 | 0.21% |
| TONY J DELBEN3 | 143 SANDREED DR MOORESVILLE, NC 28117 | AFLAC | $15 | $0 | $15 | 0.19% |
| JOSE A SCHIENEMAN3 | 1881 S CARRIAGE LN CHANDLER, AZ 85286 | AFLAC | $11 | $0 | $11 | 0.14% |
| MATTHEW G BERGER3 | 203 HAVERFORD AVE #205 NARBERTH, PA 19072 | AFLAC | $10 | $0 | $10 | 0.12% |
| CONLON AND ASSOCIATES LLC3 | PO BOX 402 BRIDGEPORT, PA 19405 | AFLAC | $9 | $0 | $9 | 0.11% |
| JACQUELINE EBERZ3 Filed as: JACQUELINE M EBERZ | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $8 | $0 | $8 | 0.10% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC INC | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $7 | $0 | $7 | 0.09% |
| SEAN G HIGGINS3 | 1405 LARKSPUR LN MALVERN, PA 19355 | AFLAC | $6 | $0 | $6 | 0.07% |
| ACRISURE LLC3 Filed as: ACRISURE MIDWEST PART INS SERV LLC | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $5 | $0 | $5 | 0.06% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1756 MIDDLETOWN RD GLEN MILLS, PA 19342 | AFLAC | $4 | $0 | $4 | 0.05% |
| STUART C WEBBER3 | 203 TANGLEWOOD DR LEWES, DE 19958 | AFLAC | $4 | $0 | $4 | 0.05% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $1 | $0 | $1 | 0.01% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $443 | $3K | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY L | PO BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $53 | $3K | — |
| MCGRIFF INSURANCE SERVICES INC3 | 150 S WARNER RD STE 460 KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $26 | $2K | — |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $378 | $378 | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $247 | $247 | — |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $21 | $21 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $31K |
| MCGRIFF INSURANCE SERVICES (FORMERL EIN 56-1623293 BROKER | Insurance agents and brokers Service code 22 | — | $14K |
| INNOVU EIN 81-1938789 OTHER | Other services Service code 49 | — | $58 |
| HIGHMARK BLUE SHIELD (SEPA) ADMIN | Claims processing Service code 12 | 120 FIFTH AVE PITTSBURGH, PA 15222 | -$2K |
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 | 35 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 36 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 35 | $140K |
| Other(2 contracts, 2 carriers) | AFLAC | 7 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 35 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.