| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL INSURANCE CONSULTING GROUP3 | 595 TERRACE OAKS DRIVE ROSWELL, GA 30075 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $109K | $7K | $116K | 18.04% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULVARD, SUITE 308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $32K | $32K | 5.00% |
| MJ INSURANCE3 Filed as: JOSE SCHIENEMAN AND VARIOUS AGENTS | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $334 | $45 | $379 | 3.59% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR WILLIAMS, JR. | 325 CHESTNUT STREET, 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $246 | $15 | $261 | 2.47% |
| ROBERT TORRES3 | 68 BROOKVIEW LANE POTTSTOWN, PA 19464 | AFLAC | $175 | $7 | $182 | 1.72% |
| CECILIA K WILLIAMS3 Filed as: CECILIA WILLIAMS | 1429 WALNUT STREET, SUITE 601 PHILADELPHIA, PA 19102 | AFLAC | $173 | $0 | $173 | 1.64% |
| ALFRED SANFORD3 | 6425 DREXEL ROAD PHILADELPHIA, PA 19151 | AFLAC | $129 | $37 | $166 | 1.57% |
| SUPPLEMENTAL BENEFITS GRP OF PA INC3 | 325 CHESTNUT STREET, 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $148 | $0 | $148 | 1.40% |
| NATIONAL INSURANCE CONSULTING GROUP3 | 2890 WEST STATE ROAD 84, SUITE 119 FORT LAUDERDALE, FL 33312 | AFLAC | $145 | $0 | $145 | 1.37% |
| MJ INSURANCE3 Filed as: CECILIA WILLIAMS AND VARIOUS AGENTS | 1429 WALNUT STREET, SUITE 601 PHILADELPHIA, PA 19102 | AFLAC | $248 | $0 | $248 | 3.49% |
| ROBERT TORRES3 | 68 BROOKVIEW LANE POTTSTOWN, PA 19464 | AFLAC | $190 | $37 | $227 | 3.19% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR WILLIAMS, JR. | 325 CHESTNUT STREET, 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $179 | $35 | $214 | 3.01% |
| PATRICIA WYNN-MASON3 | PO BOX 1121 ABINGTON, PA 19001 | AFLAC | $96 | $60 | $156 | 2.20% |
| NATIONAL INSURANCE CONSULTING GROUP3 | 2890 WEST STATE ROAD 84, SUITE 119 FORT LAUDERDALE, FL 33312 | AFLAC | $139 | $0 | $139 | 1.96% |
| ALFRED SANFORD3 | 6425 DREXEL ROAD PHILADELPHIA, PA 19151 | AFLAC | $92 | $42 | $134 | 1.89% |
| JOSE A SCHIENEMAN3 Filed as: JOSE SCHIENEMAN | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $97 | $29 | $126 | 1.77% |
| CECILIA K WILLIAMS3 Filed as: CECILIA WILLIAMS | 1429 WALNUT STREET, SUITE 601 PHILADELPHIA, PA 19102 | AFLAC | $238 | $0 | $238 | 3.99% |
| NAT. INS. CON. GROUP & OTHER AGENTS3 | 2890 WEST STATE ROAD 84, SUITE 119 FORT LAUDERDALE, FL 33312 | AFLAC | $150 | $2 | $152 | 2.55% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR WILLIAMS, JR. | 325 CHESTNUT STREET, 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $102 | $2 | $104 | 1.74% |
| ROBERT TORRES3 | 68 BROOKVIEW LANE POTTSTOWN, PA 19464 | AFLAC | $63 | $0 | $63 | 1.06% |
| MJ INSURANCE3 Filed as: ELENA TORRES | 361 CHERRY STREET POTTSTOWN, PA 19464 | AFLAC | $46 | $11 | $57 | 0.96% |
| RITA M HERINGTON3 Filed as: RITA HERINTON | PO BOX 48 WALLINGFORD, PA 19086 | AFLAC | $39 | $0 | $39 | 0.65% |
| CHRISTIAN TITONE3 | 22292 SHEVELAND ROAD MIDDLETOWN, CA 95461 | AFLAC | $36 | $0 | $36 | 0.60% |
| ROBERT TORRES3 | 68 BROOKVIEW LANE POTTSTOWN, PA 19464 | AFLAC | $111 | $37 | $148 | 3.68% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR WILLIAMS, JR. | 325 CHESTNUT STREET, 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $112 | $8 | $120 | 2.98% |
| MJ INSURANCE3 Filed as: ELENA TORRES AND VARIOUS AGENTS | 361 CHERRY STREET POTTSTOWN, PA 19464 | AFLAC | $110 | $10 | $120 | 2.98% |
| SUPPLEMENTAL BENEFITS GRP OF PA INC3 | 325 CHESTNUT STREET, 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $115 | $0 | $115 | 2.86% |
| NATIONAL INSURANCE CONSULTING GROUP3 | 2890 WEST STATE ROAD 84, SUITE 119 FORT LAUDERDALE, FL 33312 | AFLAC | $89 | $0 | $89 | 2.21% |
| JOSEPH P TOTH3 Filed as: JOSEPH TOTH | 303 HERITAGE PLACE HOLLAND, PA 18966 | AFLAC | $45 | $0 | $45 | 1.12% |
| JOSE A SCHIENEMAN3 Filed as: JOSE SCHIENEMAN | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $43 | $2 | $45 | 1.12% |
| JEANNE COKER3 Filed as: JEANNE JENNETTA | 1433 MCMASTER DRIVE SURFSIDE BEACH, SC 29575 | AFLAC | $43 | $0 | $43 | 2.35% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR WILLIAMS JR AND OTHER AGENTS | 325 CHESTNUT STREET, 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $38 | $0 | $38 | 2.08% |
| PARASKEVY VOULA LIACOPULOS3 Filed as: PARASKEVY LIACOPULOS | 6511 MILL ROAD EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $25 | $0 | $25 | 1.37% |
| ANNE FISHER3 | 106 THIRD STREET ELMER, NJ 08318 | AFLAC | $25 | $0 | $25 | 1.37% |
| RICHARD H TOBIAS3 Filed as: RICHARD TOBIAS | 416 WEST JEFFERSON AVENUE LINWOOD, NJ 08221 | AFLAC | $19 | $0 | $19 | 1.04% |
| LINDA DUNFEE3 | 1241 ALMONESSON ROAD DEPTFORD, NJ 08096 | AFLAC | $17 | $0 | $17 | 0.93% |
| ROBERT TORRES3 | 68 BROOKVIEW LANE POTTSTOWN, PA 19464 | AFLAC | $10 | $0 | $10 | 0.55% |
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 | 684 | 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) | 684 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE HEALTH PLAN EAST | 684 | $0 |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 629 | $642K |
| Vision | HM LIFE INSURANCE COMPANY | 1,149 | $15K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 684 | $642K |
| Short-term disability(6 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 629 | $672K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 629 | $642K |
| Prescription drug(2 contracts, 2 carriers) | KEYSTONE HEALTH PLAN EAST | 684 | $0 |
| Other(8 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 684 | $672K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,149 | — |
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."
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.