| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISOLUTIONS INC.3 Filed as: ISOLUTIONS INC | 1305 CATFISH LANE AUDUBON, PA 19403 | AETNA LIFE INSURANCE COMPANY | $10K | $71K | $80K | 4.45% |
| ISOLUTIONS INC.3 Filed as: ISOLUTIONS INC | 1305 CATFISH LANE AUDUBON, PA 19403 | STANDARD INSURANCE COMPANY | $25K | $0 | $25K | 14.60% |
| ISOLUTION INC3 | 1305 CATFISH LANE NORRISTOWN, PA 19403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.99% |
| LAUNHPAD BENEFITS SOLUTIONS LLC3 | 529 FAYETTE STREET, SUITE 202 CONSHOHOCKEN, PA 19428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.86% |
| MATTHEW T O'HANLON3 Filed as: MATTHEW THOMAS O HANION | 529 FAYETTE STREET, SUITE 202 CONSHOHOCKEN, PA 19428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $610 | $0 | $610 | 1.61% |
| STEPHANIE A CANFIELD3 Filed as: STEPHANIE CANFIED | 425 FAYETTE STREET CONSHOHOCKEN, PA 19428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $545 | $0 | $545 | 1.44% |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | CONTINENTAL AMERICAN INSURANCE COMPANY | $112 | $0 | $112 | 0.30% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | $0 | $19 | 0.05% |
| RYAN K GOLDBERG3 | 103-107 CHRUCH STREET PHILADELPHIA, PA 19106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $0 | $10 | 0.03% |
| ISOLUTIONS INC.3 Filed as: ISOLUTIONS INC | 1305 CATFISH LANE AUDUBON, PA 19403 | METLIFE LEGAL PLANS | $427 | $0 | $427 | 7.57% |
| ISOLUTIONS INC.3 Filed as: ISOLUTIONS INC | 2607 EGYPT ROAD AUDUBON, PA 19403 | METLIFE LEGAL PLANS | $101 | $0 | $101 | 1.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BELMONT | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 2.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2 PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 2.37% |
| 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 | 1.28% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 275 | $1.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 275 | $1.8M |
| Vision | AETNA LIFE INSURANCE COMPANY | 275 | $1.8M |
| Life insurance | STANDARD INSURANCE COMPANY | 190 | $169K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 190 | $207K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 190 | $170K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 275 | $1.8M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 190 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.