| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL INSURANCE CONSULTING GROUP3 | 2890 WEST STATE ROAD 84, SUITE 119 FORT LAUDERDALE, FL 33312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $0 | $20K | 16.91% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, SUITE 308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.00% |
| NATIONAL INSURANCE CONSULTING GROUP3 | 3333 WEST COMMERICAL BOULEVARD SUITE 202 FORT LAUDERDALE, FL 33309 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $339 | $11K | 17.90% |
| NATIONAL INSURANCE CONSULTING GROUP3 | 3333 WEST COMMERICAL BOULEVARD SUITE 202 FORT LAUDERDALE, FL 33309 | UNION SECURITY INSURANCE COMPANY | $11K | $0 | $11K | 27.59% |
| MJ INSURANCE3 Filed as: JOSE SCHIENEMAN AND VARIOUS AGENTS | 1881 SOUTH CARRIAGE LANE CHANDLER, AZ 85286 | AFLAC | $446 | $21 | $467 | 4.12% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR WILLIAMS, JR. | 325 CHESTNUT STREET, 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $317 | $21 | $338 | 2.98% |
| SUPPLEMENTAL BENEFITS GRP OF PA INC3 | 325 CHESTNUT STREET, 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $297 | $0 | $297 | 2.62% |
| ROBERT TORRES3 | 68 BROOKVIEW LANE POTTSTOWN, PA 19464 | AFLAC | $236 | $10 | $246 | 2.17% |
| ALFRED SANFORD3 | 6425 DREXEL ROAD PHILADELPHIA, PA 19151 | AFLAC | $220 | $16 | $236 | 2.08% |
| CECILIA K WILLIAMS Filed as: CECILIA WILLIAMS | 1429 WALNUT STREET, SUITE 601 PHILADELPHIA, PA 19102 | AFLAC | $218 | $0 | $218 | 1.92% |
| NATIONAL INSURANCE CONSULTING GROUP3 | 2890 WEST STATE ROAD 84, SUITE 119 FORT LAUDERDALE, FL 33312 | AFLAC | $208 | $0 | $208 | 1.83% |
| MJ INSURANCE3 Filed as: ALFRED SANFORD AND VARIOUS AGENTS | 6425 DREXEL ROAD PHILADELPHIA, PA 19151 | AFLAC | $571 | $38 | $609 | 6.18% |
| ROBERT TORRES3 | 68 BROOKVIEW LANE POTTSTOWN, PA 19464 | AFLAC | $354 | $0 | $354 | 3.59% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR WILLIAMS, JR. | 325 CHESTNUT STREET, 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $329 | $13 | $342 | 3.47% |
| NATIONAL INSURANCE CONSULTING GROUP3 | 2890 WEST STATE ROAD 84, SUITE 119 FORT LAUDERDALE, FL 33312 | AFLAC | $239 | $0 | $239 | 2.43% |
| PATRICIA WYNN-MASON3 | PO BOX 1121 ABINGTON, PA 19001 | AFLAC | $225 | $0 | $225 | 2.28% |
| SUPPLEMENTAL BENEFITS GRP OF PA INC3 | 325 CHESTNUT STREET, 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $221 | $0 | $221 | 2.24% |
| JOSE A SCHIENEMAN3 Filed as: JOSE SCHIENEMAN | 1881 SOUTH CARRIAGE LANE CHANDLER, AZ 85286 | AFLAC | $190 | $13 | $203 | 2.06% |
| MJ INSURANCE3 Filed as: ELENA TORRES AND VARIOUS AGENTS | 361 CHERRY STREET POTTSTOWN, PA 19464 | AFLAC | $331 | $0 | $331 | 5.06% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR WILLIAMS, JR. | 325 CHESTNUT STREET, 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $176 | $2 | $178 | 2.72% |
| ROBERT TORRES3 | 68 BROOKVIEW LANE POTTSTOWN, PA 19464 | AFLAC | $168 | $1 | $169 | 2.58% |
| SUPPLEMENTAL BENEFITS GRP OF PA INC3 | 325 CHESTNUT STREET, 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $124 | $0 | $124 | 1.90% |
| JOSEPH P TOTH3 Filed as: JOSEPH TOTH | 303 HERITAGE PLACE HOLLAND, PA 18966 | AFLAC | $105 | $4 | $109 | 1.67% |
| NATIONAL INSURANCE CONSULTING GROUP3 | 2890 WEST STATE ROAD 84, SUITE 119 FORT LAUDERDALE, FL 33312 | AFLAC | $104 | $0 | $104 | 1.59% |
| JOSE A SCHIENEMAN3 Filed as: JOSE SCHIENEMAN | 1881 SOUTH CARRIAGE LANE CHANDLER, AZ 85286 | AFLAC | $87 | $2 | $89 | 1.36% |
| CECILIA K WILLIAMS3 Filed as: CECILIA WILLIAMS | 1429 WALNUT STREET, SUITE 601 PHILADELPHIA, PA 19102 | AFLAC | $235 | $0 | $235 | 3.79% |
| MJ INSURANCE3 Filed as: CHRISTIAN TITONE AND VARIOUS AGENTS | 2002 PINERCREST DRIVE APARTMENT 133 SANTA ROSA, CA 95403 | AFLAC | $195 | $13 | $208 | 3.36% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR WILLIAMS, JR. | 325 CHESTNUT STREET, 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $115 | $8 | $123 | 1.99% |
| SUPPLEMENTAL BENEFITS GRP OF PA INC3 | 325 CHESTNUT STREET, 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $91 | $0 | $91 | 1.47% |
| ROBERT TORRES3 | 68 BROOKVIEW LANE POTTSTOWN, PA 19464 | AFLAC | $69 | $4 | $73 | 1.18% |
| RICHARD C SMITH JR3 Filed as: RICHARD SMITH, JR. | 147 KINGSTON ROAD CHELTENHAM, PA 19012 | AFLAC | $44 | $13 | $57 | 0.92% |
| RITA M HERINGTON3 Filed as: RITA HERINGTON | PO BOX 48 WALLINGFORD, PA 19086 | AFLAC | $35 | $0 | $35 | 0.56% |
| NATIONAL INSURANCE CONSULTING GROUP3 | 2890 WEST STATE ROAD 84, SUITE 119 FORT LAUDERDALE, FL 33312 | HM LIFE INSURANCE COMPANY | $382 | $0 | $382 | 10.00% |
| MJ INSURANCE3 Filed as: ROBERT TORRES AND VARIOUS AGENTS | 68 BROOKVIEW LANE POTTSTOWN, PA 19464 | AFLAC | $35 | $0 | $35 | 3.05% |
| JEANNE COKER3 Filed as: JEANNE JENNETTA | 1433 MCMASTER DRIVE SURFSIDE BEACH, SC 29575 | AFLAC | $29 | $0 | $29 | 2.53% |
| SUPPLEMENTAL BENEFITS GRP OF PA INC3 | 325 CHESTNUT STREET, 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $26 | $0 | $26 | 2.27% |
| JOSEPH P TOTH3 Filed as: JOSEPH TOTH | 303 HERITAGE PLACE HOLLAND, PA 18966 | AFLAC | $20 | $0 | $20 | 1.74% |
| PARASKEVY VOULA LIACOPULOS3 Filed as: PARASKEVY LIACOPULOS | 6511 MILL ROAD EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $17 | $0 | $17 | 1.48% |
| RICHARD H TOBIAS3 Filed as: RICHARD TOBIAS | 416 WEST JEFFERSON AVENUE LINWOOD, NJ 08221 | AFLAC | $13 | $0 | $13 | 1.13% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR WILLIAMS, JR. | 325 CHESTNUT STREET, 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $11 | $0 | $11 | 0.96% |
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 | 636 | 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) | 636 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE HEALTH PLAN EAST | 636 | $0 |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 521 | $121K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 886 | $63K |
| Life insurance(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 636 | $221K |
| Short-term disability(7 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 636 | $215K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 636 | $180K |
| Prescription drug(2 contracts, 2 carriers) | KEYSTONE HEALTH PLAN EAST | 636 | $0 |
| Other(9 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 636 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 886 | — |
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.