| 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 | $10K | $67K | $77K | 4.06% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 25B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 0.38% |
| ISOLUTIONS INC.3 Filed as: ISOLUTIONS, INC. | 1305 CATFISH LANE AUDUBON, PA 19403 | STANDARD INSURANCE COMPANY | $19K | $0 | $19K | 14.25% |
| LAUNCHPAD BENEFITS SOLUTIONS LLC3 | 101 WEST ELM STREET, SUITE 420 CONSHOHOCKEN, PA 19428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.84% |
| I SOLUTIONS INC.3 Filed as: I SOLUTIONS INC | 1305 CATFISH LANE AUDUBON, PA 19403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $901 | $0 | $901 | 3.70% |
| STEPHANIE A CANFIELD3 Filed as: STEPHANIE A. CANFIELD | 1 NESHAMINY INTERPLEX SUITE 201 TREVOSE, PA 19053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $402 | $0 | $402 | 1.65% |
| ERIC R MACDOUGALL3 Filed as: ERIC R. MACDOUGALL | 1 NESHAMINY INTERPLEX DRIVE SUITE 201 FSTRVL TRVOSE, PA 19053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $126 | $0 | $126 | 0.52% |
| ANGELA MASSARELLI3 | 432 TUVIRA LANE CHERRY HILL, NJ 08003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.09% |
| MG BERGER INC3 | 1020 NORTH DELAWARE AVENUE 4TH FLOOR PHILADEPHIA, PA 19125 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | $0 | $15 | 0.06% |
| RYAN K GOLDBERG3 Filed as: RYAN K. GOLDBERG | 103 CHURCH STREET, SUITE 3 PHILADELPHIA, PA 19103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RSI | 2 PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | PO BOX 95287 CHICAGO, IL 60694 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 1.09% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 273 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 273 | $1.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 273 | $1.9M |
| Life insurance | STANDARD INSURANCE COMPANY | 157 | $134K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 157 | $159K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 157 | $135K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 273 | $1.9M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 157 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.
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.