| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIFE AND HEALTH INS SVCS3 | 1716 W DOE RUN ROAD UNIONVILLE, PA 19375 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | — | $31K | 10.28% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST VEVA 16 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $12K | $12K | 4.07% |
| FEDERICK W. WILSON III3 | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $197 | — | $197 | 3.29% |
| LIFE AND HEALTH INS SVCS3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $154 | — | $154 | 2.57% |
| MICHAEL F. RANDLER, JR.3 Filed as: MICHAEL F RANDLER JR | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $134 | — | $134 | 2.24% |
| LEILA RAPPAPORT3 | 116 LAKS DR MIDDLETOWN, DE 19709 | AFLAC | $73 | — | $73 | 1.22% |
| AUTUMN STROHMAIER3 | 242 BUTTONWOOD RD LANDENBERG, PA 19350 | AFLAC | $51 | — | $51 | 0.85% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE SUITE 105 PSCATAWAY, NJ 08854 | AFLAC | $47 | — | $47 | 0.78% |
| KENNA M ULBINSKY YAKAL | 605 TAMARA CIR NEWARK, DE 19711 | AFLAC | $39 | — | $39 | 0.65% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 225 SPARTA, NJ 07871 | AFLAC | $9 | — | $9 | 0.15% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $4 | — | $4 | 0.07% |
| JOHN T CAPOZZI3 | 242 WICKLEBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $1 | — | $1 | 0.02% |
| JOSHUA M PINCUS SOKOLOFF3 | 6100 CHEVY CHASE DR STE 105 LAUREL, MD 20707 | AFLAC | $1 | — | $1 | 0.02% |
| LIFE AND HEALTH INS SVCS | 1716 W DOE RUN ROAD UNIONVILLE, PA 19375 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $554 | — | $554 | 15.01% |
| LIFE AND HEALTH INS SVCS3 | 1716 W DOE RUN ROAD UNIONVILLE, PA 19375 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $215 | — | $215 | 9.99% |
| LIFE AND HEALTH INS SVCS3 | 1716 W DOE RUN ROAD UNIONVILLE, PA 19375 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $313 | — | $313 | 15.00% |
| LIFE AND HEALTH INS SVCS3 | 1716 W DOE RUN ROAD UNIONVILLE, PA 19375 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15 | — | $15 | 15.31% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 116 | $305K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 116 | $305K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 114 | $4K |
| Long-term disability(2 contracts, 2 carriers) | AFLAC | 15 | $8K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 114 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.