| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $84K | $0 | $84K | 12.82% |
| JOSEPH GLENN EVANS3 Filed as: JOSEPH G. EVANS SR. | 4312 DIAMOND TERRACE WESTON, GA 33331 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $0 | $28K | 4.28% |
| 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 | $27K | $27K | 4.09% |
| ZAIN SYED HASAN3 | 6915 LONG LEAF DRIVE PARKLAND, FL 33076 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $0 | $18K | 2.82% |
| BRIAN M DENOIA3 Filed as: BRIAN M. DENOIA | 1312 BARTON AVENUE POINT PLEASANT BORO, NJ 08742 | AFLAC | $6K | $0 | $6K | 13.61% |
| MJ INSURANCE3 Filed as: ROBERT TORRES AND VARIOUS AGENTS | 68 BROOKVIEW LANE POTTSTOWN, PA 19464 | AFLAC | $2K | $33 | $2K | 3.84% |
| LAURA L. TRUJILLO3 | PO BOX 72 CONSHOHOCKEN, PA 19428 | AFLAC | $1K | $0 | $1K | 2.68% |
| CHRISTOPHER J BURRIS3 Filed as: CHRISTOPHER J. BURRIS | 309 CENTRAL PARKWAY BAYVILLE, NJ 08721 | AFLAC | $901 | $0 | $901 | 2.21% |
| SOSA CAPITAL GROUP LLC3 | 1821 BETTY LANE EWING, NJ 08628 | AFLAC | $745 | $0 | $745 | 1.83% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR D. WILLIAMS JR. | 325 CHESTNUT STREET, SUITE 8 PHILADELPHIA, PA 19106 | AFLAC | $446 | $6 | $452 | 1.11% |
| CECILIA K WILLIAMS3 Filed as: CECILIA K. WILLIAMS | 1429 WALNUT STREET, SUITE 601 PHILADELPHIA, PA 19102 | AFLAC | $393 | $0 | $393 | 0.97% |
| BRIAN M DENOIA3 Filed as: BRIAN M. DENOIA | 1312 BARTON AVENUE POINT PLEASANT BORO, NJ 08742 | AFLAC | $1K | $0 | $1K | 11.09% |
| MJ INSURANCE3 Filed as: ROBERT TORRES AND VARIOUS AGENTS | 68 BROOKVIEW LANE POTTSTOWN, PA 19464 | AFLAC | $407 | $20 | $427 | 4.46% |
| LAURA L. TRUJILLO3 | PO BOX 72 CONSHOHOCKEN, PA 19428 | AFLAC | $196 | $0 | $196 | 2.05% |
| SOSA CAPITAL GROUP LLC3 | 1821 BETTY LANE EWING, NJ 08628 | AFLAC | $196 | $0 | $196 | 2.05% |
| CHRISTOPHER J BURRIS3 Filed as: CHRISTOPHER J. BURRIS | 309 CENTRAL PARKWAY BAYVILLE, NJ 08721 | AFLAC | $175 | $0 | $175 | 1.83% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR D. WILLIAMS JR. | 325 CHESTNUT STREET, SUITE 8 PHILADELPHIA, PA 19106 | AFLAC | $161 | $3 | $164 | 1.71% |
| CECILIA K WILLIAMS3 Filed as: CECILIA K. WILLIAMS | 1429 WALNUT STREET, SUITE 601 PHILADELPHIA, PA 19102 | AFLAC | $160 | $0 | $160 | 1.67% |
| BRIAN A. MARTINEZ4 | 136 PRAIRIE DUNE WAY ORLANDO, FL 32828 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $352 | $0 | $352 | 4.86% |
| MICHAEL SCHWARTZ4 Filed as: MICHAEL SCWARTZ | 34 DRYDEN LANE NEW CASTLE, DE 19140 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $181 | $0 | $181 | 2.50% |
| WORRY FREE LIVE MORE LLC4 | 7025 COUNTY ROAD 46A SUITE 1071-328 LAKE MARY, FL 32746 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $166 | $0 | $166 | 2.29% |
| MARVIN TURNER4 | 403 COLINA LANE COATESVILLE, PA 19320 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $29 | $0 | $29 | 0.40% |
| LESLY MARCELIN3 | 16526 SEASHORE HIGHWAY GEORGETWON, DE 19947 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $29 | $0 | $29 | 0.40% |
| DAVID SPANGLER JR.3 | 31 MARIE DRIVE QUARRYVILLE, PA 17566 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $28 | $0 | $28 | 0.39% |
| BRIAN M DENOIA3 Filed as: BRIAN M. DENOIA | 1312 BARTON AVENUE POINT PLEASANT BORO, NJ 08742 | AFLAC | $612 | $0 | $612 | 9.89% |
| MJ INSURANCE3 Filed as: ROBERT TORRES AND VARIOUS AGENTS | 68 BROOKVIEW LANE POTTSTOWN, PA 19464 | AFLAC | $245 | $10 | $255 | 4.12% |
| LAURA L. TRUJILLO3 | PO BOX 72 CONSHOHOCKEN, PA 19428 | AFLAC | $211 | $0 | $211 | 3.41% |
| SOSA CAPITAL GROUP LLC3 | 1821 BETTY LANE EWING, NJ 08628 | AFLAC | $211 | $0 | $211 | 3.41% |
| CHRISTOPHER J BURRIS3 Filed as: CHRISTOPHER J. BURRIS | 309 CENTRAL PARKWAY BAYVILLE, NJ 08721 | AFLAC | $125 | $0 | $125 | 2.02% |
| RUSSELL L. DAYVAULT3 | 2777 MEADOWVIEW COURT TARPON SPRINGS, FL 34688 | AFLAC | $82 | $24 | $106 | 1.71% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR D. WILLIAMS JR. | 325 CHESTNUT STREET, SUITE 8 PHILADELPHIA, PA 19106 | AFLAC | $80 | $0 | $80 | 1.29% |
| BRIAN M DENOIA3 Filed as: BRIAN M. DENOIA | 1312 BARTON AVENUE POINT PLEASANT BORO, NJ 08742 | AFLAC | $214 | $0 | $214 | 4.04% |
| CECILIA K WILLIAMS3 Filed as: CECILIA K. WILLIAMS | 1429 WALNUT STREET, SUITE 601 PHILADELPHIA, PA 19102 | AFLAC | $181 | $0 | $181 | 3.42% |
| CHRISTOPHER J BURRIS3 Filed as: CHRISTOPHER BURRIS AND OTHER AGENTS | 309 CENTRAL PARKWAY BAYVILLE, NJ 08721 | AFLAC | $167 | $0 | $167 | 3.15% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR D. WILLIAMS JR. | 325 CHESTNUT STREET, SUITE 8 PHILADELPHIA, PA 19106 | AFLAC | $73 | $0 | $73 | 1.38% |
| LAURA L. TRUJILLO3 | PO BOX 72 CONSHOHOCKEN, PA 19428 | AFLAC | $72 | $0 | $72 | 1.36% |
| SOSA CAPITAL GROUP LLC3 | 1821 BETTY LANE EWING, NJ 08628 | AFLAC | $72 | $0 | $72 | 1.36% |
| ROBERT TORRES3 | 68 BROOKVIEW LANE POTTSTOWN, PA 19464 | AFLAC | $50 | $0 | $50 | 0.94% |
| BRIAN M DENOIA3 Filed as: BRIAN M. DENOIA | 1312 BARTON AVENUE POINT PLEASANT BORO, NJ 08742 | AFLAC | $220 | $0 | $220 | 5.52% |
| MJ INSURANCE3 Filed as: ANNE FISHER AND VARIOUS AGENTS | 106 3RD STREET ELMER, NJ 08318 | AFLAC | $143 | $0 | $143 | 3.59% |
| LAURA L. TRUJILLO3 | PO BOX 72 CONSHOHOCKEN, PA 19428 | AFLAC | $75 | $0 | $75 | 1.88% |
| SOSA CAPITAL GROUP LLC3 | 1821 BETTY LANE EWING, NJ 08628 | AFLAC | $75 | $0 | $75 | 1.88% |
| CHRISTOPHER J BURRIS3 Filed as: CHRISTOPHER J. BURRIS | 309 CENTRAL PARKWAY BAYVILLE, NJ 08721 | AFLAC | $46 | $0 | $46 | 1.15% |
| JEANNE COKER3 Filed as: JEANNE JENNETTA | 1433 MCMASTER DRIVE SURFSIDE BEACH, SC 29575 | AFLAC | $43 | $0 | $43 | 1.08% |
| PARASKEVY VOULA LIACOPULOS3 | 315 ISLAND LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $25 | $0 | $25 | 0.63% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR D. WILLIAMS JR. | 325 CHESTNUT STREET, SUITE 8 PHILADELPHIA, PA 19106 | AFLAC | $43 | $0 | $43 | 2.13% |
| MJ INSURANCE3 Filed as: JOSEPH M. TOTH AND VARIOUS AGENTS | 112 WINDMILL DRIVE HOLLAND, PA 18966 | AFLAC | $36 | $0 | $36 | 1.79% |
| SUPPLEMENTAL BENEFITS GRP OF PA INC3 | 325 CHESTNUT STREET, SUITE 8 PHILADELPHIA, PA 19106 | AFLAC | $29 | $0 | $29 | 1.44% |
| ROBERT TORRES3 | 68 BROOKVIEW LANE POTTSTOWN, PA 19464 | AFLAC | $27 | $0 | $27 | 1.34% |
| JOSEPH M. TOTH3 | 303 HERITAGE PLACE HOLLAND, PA 18966 | AFLAC | $26 | $0 | $26 | 1.29% |
| JOSE A SCHIENEMAN3 Filed as: JOSE A. SCHIENEMAN | 1881 SOUTH CARRIAGE LANE CHANDLER, AZ 85286 | AFLAC | $20 | $0 | $20 | 0.99% |
| ALFRED J SANFORD3 Filed as: ALFRED J. SANFORD | 6425 DREXEL ROAD PHILADELPHIA, PA 19151 | AFLAC | $15 | $0 | $15 | 0.74% |
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 | 570 | 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) | 570 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHIEST YOU | 570 | $0 |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 570 | $654K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 988 | $42K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 570 | $654K |
| Short-term disability(7 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 570 | $722K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 570 | $654K |
| Prescription drug(2 contracts) | NAVITUS HEALTH SOLUTIONS | 961 | $1.3M |
| Other(9 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 570 | $729K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 988 | — |
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.