| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| I SOLUTIONS INC.3 | 1305 CATFISH LANE AUDUBON, PA 19403 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | $72K | $77K | 4.40% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 0.15% |
| I SOLUTIONS INC.3 | 1305 CATFISH LANE AUDUBON, PA 19403 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $2K | $19K | 17.37% |
| MATHEW T. OHANLON3 | 101 WEST EELM STREET, SUITE 420 CONSHOHOCKEN, PA 19428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 5.88% |
| I SOLUTIONS INC.3 | 1305 CATFISH LANE AUDUBON, PA 19403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 5.19% |
| STEPHANIE A CANFIELD3 | 1 NESHAMINY INTERPLEX DRIVE SUITE 201 TREVOSE, PA 19053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $433 | $0 | $433 | 1.13% |
| ERIC R MACDOUGALL3 Filed as: ERIC R. MACDOUGALL | 1 NESHAMINY INTERPLEX DRIVE SUITE 201 FEASTERVILLE TREVOSE, PA 19053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $321 | $0 | $321 | 0.83% |
| MG BERGER INC3 Filed as: MG BERGER INC. | 1020 NORTH DELAWARE AVENUE 4TH FLOOR PHILADELPHIA, PA 19125 | CONTINENTAL AMERICAN INSURANCE COMPANY | $95 | $0 | $95 | 0.25% |
| ANGELA MASSARELLI3 Filed as: ANGELA MASSARELLI AND VARIOUS AGENT | 432 TUVIRA LANE CHERRY HILL, NJ 08003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | $0 | $53 | 0.14% |
| RYAN K GOLDBERG3 Filed as: RYAN K. GOLDBERG | UNKNOWN MOUNT LAUREL, NJ 08054 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | $0 | $27 | 0.07% |
| I SOLUTIONS INC.3 | 1305 CATFISH LANE AUDUBON, PA 19403 | METLIFE LEGAL PLANS | $377 | $0 | $377 | 6.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $38 | $38 | 3.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 2.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $3 | $6 | 0.51% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 291 | $1.7M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 291 | $1.7M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 291 | $1.7M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $109K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $147K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $110K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 291 | $1.7M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.