| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISOLUTIONS INC.3 Filed as: ISOLUTIONS, INC. | 1305 CATFISH LANE AUDUBON, PA 19403 | HORIZON HEALTHCARE SERVICES, INC. | $101K | — | $101K | 5.01% |
| ISOLUTIONS INC.3 Filed as: ISOLUTIONS, INC. | 1305 CATFISH LANE NORRISTOWN, PA 19403 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 9.58% |
| ISOLUTIONS INC.3 Filed as: ISOLUTIONS, INC. | 1305 CATFISH LANE AUDUBON, PA 19403 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 5.04% |
| ISOLUTIONS INC.3 Filed as: ISOLUTIONS, INC. | 1305 CATFISH LANE AUDUBON, PA 19403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 8.25% |
| MATTHEW T OHANLON3 Filed as: MATTHEW T. OHANLON | 921 GREENBRIER DRIVE BLUEBELL, PA 19422 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 7.34% |
| ERIC R MACDOUGALL3 Filed as: ERIC R. MACDOUGALL | 1 NESHAMINY INTERPLEX DRIVE SUITE 201 FEASTERVILLE-TREVOSE, PA 19053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $864 | — | $864 | 1.81% |
| MG BERGER INC3 Filed as: MG BERGER, INC. | 1020 NORTH DELAWARE AVENUE 4TH FLOOR PHILADELPHIA, PA 19125 | CONTINENTAL AMERICAN INSURANCE COMPANY | $280 | — | $280 | 0.59% |
| RYAN K GOLDBERG3 Filed as: RYAN K. GOLDBERG | UNKNOWN MOUNT LAUREL, NJ 08054 | CONTINENTAL AMERICAN INSURANCE COMPANY | $113 | — | $113 | 0.24% |
| MJ INSURANCE3 Filed as: DARREN RIDDLE AND VARIOUS AGENTS | 7850 AVONDALE TERRACE HARRISBURG, PA 17112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $107 | — | $107 | 0.22% |
| ANGELA MASSARELLI3 | 432 TUVIRA LANE CHERRY HILL, NJ 08003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 14.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $130 | $130 | 1.12% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 156 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $101K |
| Vision | AETNA LIFE INSURANCE COMPANY | 354 | $130K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 354 | $130K |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 354 | $178K |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 354 | $142K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 156 | $2.0M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 354 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.