| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISOLUTIONS INC.3 Filed as: ISOLUTIONS, INC. | 1305 CATFISH LANE AUDUBON, PA 19403 | UNITEDHEALTHCARE INSURANCE COMPANY | $518 | $79K | $80K | 5.39% |
| ISOLUTIONS INC.3 Filed as: ISOLUTIONS, INC. | 2020 WALNUT STREET THE WANAMAKER BUILDING PHILADELPHIA, PA 19107 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.20% |
| ISOLUTIONS INC.3 Filed as: ISOLUTIONS, INC. | 1305 CATFISH LANE AUDUBON, PA 19403 | AETNA LIFE INSURANCE COMPANY | $11K | $53 | $11K | 9.89% |
| ISOLUTIONS INC.3 Filed as: ISOLUTIONS, INC. | 1305 CATFISH LANE AUDUBON, PA 19403 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $75 | $3K | 4.23% |
| MATTHEW T OHANLON3 Filed as: MATTHEW T. OHANLON | 921 BREENBRIER DRIVE BLUE BELL, PA 19422 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 6.62% |
| ISOLUTIONS INC.3 Filed as: ISOLUTIONS, INC. | 1305 CATFISH LANE AUDUBON, PA 19403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 5.69% |
| ERIC R MACDOUGALL3 Filed as: ERIC R. MACDOUGALL | 1 NESHAMINY INTERPLEX DRIVE SUITE 201 FEASTERVILLE-TREVOSE, PA 19053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $800 | — | $800 | 1.66% |
| MG BERGER INC3 Filed as: MG BERGER, INC. | 1020 NORTH DELAWARE AVENUE 4TH FLOOR PHILADELPHIA, PA 19125 | CONTINENTAL AMERICAN INSURANCE COMPANY | $167 | — | $167 | 0.35% |
| MJ INSURANCE3 Filed as: DARREN D. RIDDLE AND VARIOUS AGENTS | 7850 AVONDALE TERRACE HARRISBURG, PA 17112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | — | $63 | 0.13% |
| RYAN K GOLDBERG3 Filed as: RYAN K. GOLDBERG | 103 CHURCH STREET, APARTMENT 3 PHILADELPHIA, PA 16106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | — | $61 | 0.13% |
| ANGELA MASSARELLI3 | 432 TUVIRA LANE CHERRY HILL, NJ 08003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $926 | $132 | $1K | 9.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $100 | $100 | 0.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4 RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $29 | $29 | 0.25% |
| ISOLUTIONS INC.3 Filed as: ISOLUTIONS, INC. | 1305 CATFISH LANE AUDUBON, PA 19403 | HYATT LEGAL PLANS | $240 | — | $240 | 10.10% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 246 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 204 | $67K |
| Vision | AETNA LIFE INSURANCE COMPANY | 167 | $116K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 167 | $116K |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 167 | $164K |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 167 | $127K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 246 | $1.5M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 167 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.