| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISOLUTIONS INC.3 Filed as: ISOLUTIONS INC | 1305 CATFISH LANE AUDUBON, PA 19403 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $89K | $93K | 5.61% |
| ISOLUTIONS INC.3 Filed as: ISOLUTIONS INC | 1305 CATFISH LANE NORRISTOWN, PA 19403 | AETNA LIFE INSURANCE COMPANY | $15K | $76 | $15K | 12.26% |
| MATTHEW T OHANLON3 | 921 GREENBRIER DRIVE BLUEBELL, PA 19422 | AFLAC | $2K | $0 | $2K | 5.16% |
| I SOLUTIONS INC.3 Filed as: I SOLUTIONS INC | 1305 CATFISH LANE AUDOBON, PA 19403 | AFLAC | $2K | $0 | $2K | 3.55% |
| ERIC R MACDOUGALL3 | 1 NESHAMINY INTERPLEX DRIVE SUITE 201 FSTRVLTRVOSE, PA 19053 | AFLAC | $486 | $0 | $486 | 1.05% |
| MG BERGER INC3 | 1020 NORTH DELAWARE AVENUE 4TH FLOOR PHILADELPHIA, PA 19125 | AFLAC | $131 | $0 | $131 | 0.28% |
| MJ INSURANCE3 Filed as: DARREN D RIDDLE AND VARIOUS AGENTS | 7850 AVONDALE TERRACE HARRISBURG, PA 17112 | AFLAC | $45 | $0 | $45 | 0.10% |
| RYAN K GOLDBERG3 | UNKNOWN MOUNT LAUREL, NJ 08054 | AFLAC | $38 | $0 | $38 | 0.08% |
| ANGELA MASSARELLI3 | 432 TUVIRA LANE CHERRY HILL, NJ 08003 | AFLAC | $28 | $0 | $28 | 0.06% |
| ISOLUTIONS INC.3 Filed as: ISOLUTIONS INC | 1305 CATFISH LANE AUDUBON, PA 19403 | HYATT LEGAL PLANS | $430 | $0 | $430 | 9.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $34 | $34 | 2.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RSI | 2 PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 1.82% |
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 | 255 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 300 | $1.7M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 300 | $1.7M |
| Vision | AETNA LIFE INSURANCE COMPANY | 191 | $122K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 191 | $122K |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 191 | $169K |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 191 | $123K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 300 | $1.7M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 191 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.