| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $32K | $0 | $32K | 5.07% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $29K | $29K | 4.54% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 2.59% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $176 | $176 | 0.03% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AFLAC | $35K | $0 | $35K | 59.13% |
| MICHAEL S SCHWARTZ4 Filed as: MICHAEL S. SCHWARTZ | 34 DRYDEN ROAD NEW CASTLE, DE 19720 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 7.72% |
| DAVID C. BOSAK4 | 4612 CUSTER DRIVE HARRISBURG, PA 17110 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $124 | $0 | $124 | 0.52% |
| HUDSON PLANNING GROUP INC4 Filed as: HUDSON PLANNING GROUP, INC. | 17 HUNTSMAN DRIVE GARNET VALLEY, PA 19060 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $69 | $0 | $69 | 0.29% |
| DOROTHY KRAFT4 | 942 SOUTHWEST 27TH STREET PALM CITY, FL 34990 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $48 | $0 | $48 | 0.20% |
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 | 622 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,220 | $272K |
| Vision | INDEPENDENCE BLUE CROSS | 1,113 | $45K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 925 | $636K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 925 | $636K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 925 | $636K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 925 | $720K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,220 | — |
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.