| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 3250 NORTH 29TH AVENUE HOLLYWOOD, FL 33020 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $94K | $0 | $94K | 14.71% |
| 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 | $32K | $32K | 5.00% |
| NATIONAL BENEFITS3 Filed as: NATIONAL INSURANCE | 595 TERRACE OAKS DRIVE ROSWELL, GA 30075 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 2.18% |
| MJ INSURANCE3 Filed as: ELENA L. TORRES AND VARIOUS AGENTS | 361 CHERRY STREET POTTSTOWN, PA 19464 | AFLAC | $176 | $0 | $176 | 2.48% |
| CECILIA K WILLIAMS3 Filed as: CECILIA K. WILLIAMS | 1429 WALNUT STREET, SUITE 601 PHILADELPHIA, PA 19102 | AFLAC | $159 | $0 | $159 | 2.24% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR D. WILLIAMS JR. | 325 CHESTNUT STREET, 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $158 | $0 | $158 | 2.23% |
| ROBERT TORRES3 | 68 BROOKVIEW LANE POTTSTOWN, PA 19464 | AFLAC | $138 | $0 | $138 | 1.95% |
| SUPPLEMENTAL BENEFITS GRP OF PA INC3 | 325 CHESTNUT STREET, 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $69 | $0 | $69 | 0.97% |
| JOSE A SCHIENEMAN3 Filed as: JOSE A. SCHIENEMAN | 1881 SOUTH CARRIAGE LANE CHANDLER, AZ 85286 | AFLAC | $61 | $0 | $61 | 0.86% |
| RITA M HERINGTON3 Filed as: RITA M. HERINGTON | PO BOX 48 WALLINGFORD, PA 19086 | AFLAC | $45 | $0 | $45 | 0.63% |
| ROBERT TORRES3 | 68 BROOKVIEW LANE POTTSTOWN, PA 19464 | AFLAC | $105 | $0 | $105 | 2.12% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR D. WILLIAMS JR. | 325 CHESTNUT STREET, 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $90 | $0 | $90 | 1.82% |
| PATRICIA WYNN-MASON3 Filed as: PATRICIA WYNN-MASON & OTHER AGENTS | PO BOX 1121 ABINGTON, PA 19001 | AFLAC | $83 | $0 | $83 | 1.68% |
| CECILIA K WILLIAMS3 Filed as: CECILIA K. WILLIAMS | 1429 WALNUT STREET, SUITE 601 PHILADELPHIA, PA 19102 | AFLAC | $77 | $0 | $77 | 1.55% |
| JOSE A SCHIENEMAN3 Filed as: JOSE A. SCHIENEMAN | 1881 SOUTH CARRIAGE LANE CHANDLER, AZ 85286 | AFLAC | $48 | $0 | $48 | 0.97% |
| SUPPLEMENTAL BENEFITS GRP OF PA INC3 | 325 CHESTNUT STREET, 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $24 | $0 | $24 | 0.48% |
| ALFRED J SANFORD3 Filed as: ALFRED J. SANFORD | 6425 DREXEL ROAD PHILADELPHIA, PA 19151 | AFLAC | $16 | $0 | $16 | 0.32% |
| CECILIA K WILLIAMS3 Filed as: CECILIA K. WILLIAMS | 1429 WALNUT STREET, SUITE 601 PHILADELPHIA, PA 19102 | AFLAC | $197 | $0 | $197 | 4.01% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR D. WILLIAMS JR. | 325 CHESTNUT STREET, 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $70 | $0 | $70 | 1.43% |
| MJ INSURANCE3 Filed as: MATTHEW G BERGER AND VARIOUS AGENTS | 22 SUNNYRIDGE ROAD PHILADELPHIA, PA 19125 | AFLAC | $62 | $0 | $62 | 1.26% |
| ROBERT TORRES3 | 68 BROOKVIEW LANE POTTSTOWN, PA 19464 | AFLAC | $56 | $0 | $56 | 1.14% |
| RITA M HERINGTON3 Filed as: RITA M. HERINGTON | PO BOX 48 WALLINGFORD, PA 19086 | AFLAC | $36 | $0 | $36 | 0.73% |
| CHRISTIAN TITONE3 | 22292 SHEVELAND ROAD MIDDLETOWN, CA 95461 | AFLAC | $33 | $0 | $33 | 0.67% |
| SUPPLEMENTAL BENEFITS GRP OF PA INC3 | 325 CHESTNUT STREET, 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $12 | $0 | $12 | 0.24% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR WILLIAMS AND OTHER AGENTS | 325 CHESTNUT STREET, 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $65 | $0 | $65 | 2.42% |
| JEANNE COKER3 Filed as: JEANNE JENNETTA | 1433 MCMASTER DRIVE SURFSIDE BEACH, SC 29575 | AFLAC | $40 | $0 | $40 | 1.49% |
| ANNE FISHER3 | 106 3RD STREET ELMER, NJ 08318 | AFLAC | $23 | $0 | $23 | 0.86% |
| PARASKEVY VOULA LIACOPULOS3 | 6511 MILL ROAD EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $23 | $0 | $23 | 0.86% |
| RICHARD H TOBIAS3 Filed as: RICHARD H. TOBIAS | 416 WEST JEFFERSON AVENUE LINWOOD, NJ 08221 | AFLAC | $18 | $0 | $18 | 0.67% |
| ALFRED J SANFORD3 Filed as: ALFRED J. SANFORD | 6425 DREXEL ROAD PHILADELPHIA, PA 19151 | AFLAC | $17 | $0 | $17 | 0.63% |
| LINDA W OLGUIN3 Filed as: LINDA M. DUNFEE | 1241 ALMONESSON ROAD DEPTFORD, NJ 08096 | AFLAC | $15 | $0 | $15 | 0.56% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR D. WILLIAMS JR. | 325 CHESTNUT STREET, 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $38 | $0 | $38 | — |
| JOSEPH M. TOTH3 | 303 HERITAGE PLACE HOLLAND, PA 18966 | AFLAC | $35 | $0 | $35 | — |
| MJ INSURANCE3 Filed as: MATTHEW G BERGER AND VARIOUS AGENTS | 22 SUNNYRIDGE ROAD PHILADELPHIA, PA 19125 | AFLAC | $30 | $0 | $30 | — |
| SUPPLEMENTAL BENEFITS GRP OF PA INC3 | 325 CHESTNUT STREET, 8TH FLOOR PHILADELPHIA, PA 19106 | AFLAC | $28 | $0 | $28 | — |
| ROBERT TORRES3 | 68 BROOKVIEW LANE POTTSTOWN, PA 19464 | AFLAC | $25 | $0 | $25 | — |
| JOSE A SCHIENEMAN3 Filed as: JOSE A. SCHIENEMAN | 1881 SOUTH CARRIAGE LANE CHANDLER, AZ 85286 | AFLAC | $19 | $0 | $19 | — |
| ALFRED J SANFORD3 Filed as: ALFRED J. SANFORD | 6425 DREXEL ROAD PHILADELPHIA, PA 19151 | AFLAC | $14 | $0 | $14 | — |
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 | 615 | 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) | 615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHIEST YOU | 336 | $0 |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 615 | $636K |
| Vision | HM LIFE INSURANCE COMPANY | 1,016 | $8K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 615 | $636K |
| Short-term disability(6 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 615 | $656K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 615 | $636K |
| Other(8 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 615 | $656K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,016 | — |
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."
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.