| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID M. BANET & ASSOCIATES3 Filed as: DAVID M. BANET & ASSOCIATES, INC | 45 DOWLIN FORGE FOAD EXTON, PA 19341 | INDEPENDENCE BLUE CROSS PERSONAL CHOICE | $62K | — | $62K | 5.47% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 408 KENNET SQUARE, PA 19348 | UNITED HEALTHCARE INSURANCE | $8K | — | $8K | 14.27% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 429 UNIONVILLE, PA 19375 | NATIONWIDE LIFE INSURANCE COMPANY BSC AD&D/LIFE | $3K | — | $3K | 14.54% |
| FREDERICK W WILSON III3 Filed as: FREDERICK W. WILSON III | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $301 | — | $301 | 3.18% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $232 | — | $232 | 2.45% |
| MICHAEL F. RANDLER, JR.3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $232 | — | $232 | 2.45% |
| LEILA RAPPAPORT | 123 MENDEL COURT BEAR, DE 19701 | AFLAC | $143 | — | $143 | 1.51% |
| KENNA M ULBINSKY YAKAL | 605 TAMARA CIRCLE NEWARK, DE 19711 | AFLAC | $120 | — | $120 | 1.27% |
| AUTUMN STROHMAIER3 | 254 CHAPMAN ROAD, STE 203 NEWARK, DE 19702 | AFLAC | $99 | — | $99 | 1.04% |
| ALBERT SHUST | 200 CENTENNIAL AVE, STE 105 PISCATAWAY, NJ 08854 | AFLAC | $92 | — | $92 | 0.97% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $8 | — | $8 | 0.08% |
| ZACHARY WISLER3 | 254 CHAPMAN ROAD, STE 203 NEWARK, DE 19702 | AFLAC | $7 | — | $7 | 0.07% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $4 | — | $4 | 0.04% |
| JOHN T CAPOZZI3 | 254 CHAPMAN ROAD, STE 203 NEWARK, DE 19702 | AFLAC | $3 | — | $3 | 0.03% |
| DAVID M. BANET & ASSOCIATES3 Filed as: DAVID M. BANET & ASSOCIATES, INC | 45 DOWLIN FORGE FOAD EXTON, PA 19341 | INDEPENDENCE BLUE CROSS MAJOR MEDICAL | — | — | $0 | 0.00% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 408 KENNET SQUARE, PA 19348 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $847 | — | $847 | 14.58% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $268 | — | $268 | 8.38% |
| ASHLEY PEREZ GONZALEZ3 | 25 FAIRWAY RD. APT 2B NEWARK, DE 19711 | AFLAC | $208 | — | $208 | 6.50% |
| FREDERICK W WILSON III3 Filed as: FREDERICK W. WILSON III | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $127 | — | $127 | 3.97% |
| MICHAEL F. RANDLER, JR.3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $77 | — | $77 | 2.41% |
| JOHN T CAPOZZI3 | 254 CHAPMAN ROAD, STE 203 NEWARK, DE 19702 | AFLAC | $49 | — | $49 | 1.53% |
| LEILA RAPPAPORT3 | 123 MENDEL COURT BEAR, DE 19701 | AFLAC | $35 | — | $35 | 1.09% |
| AUTUMN STROHMAIER3 | 254 CHAPMAN ROAD, STE 203 NEWARK, DE 19702 | AFLAC | $23 | — | $23 | 0.72% |
| KENNA M ULBINSKY YAKAL3 | 605 TAMARA CIRCLE NEWARK, DE 19711 | AFLAC | $23 | — | $23 | 0.72% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE, STE 105 PISCATAWAY, NJ 08854 | AFLAC | $21 | — | $21 | 0.66% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $2 | — | $2 | 0.06% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $1 | — | $1 | 0.03% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 429 UNIONVILLE, PA 19375 | NATIONWIDE LIFE INSURANCE COMPANY VOL AD&D/LIFE | $381 | — | $381 | 13.34% |
| DAVID M. BANET & ASSOCIATES3 Filed as: DAVID M. BANET & ASSOCIATES, INC | 45 DOWLIN FORGE FOAD EXTON, PA 19341 | INDEPENDENCE BLUE CROSS | $118 | — | $118 | 10.21% |
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 | 315 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | INDEPENDENCE BLUE CROSS PERSONAL CHOICE | 194 | $1.2M |
| Vision | INDEPENDENCE BLUE CROSS PERSONAL CHOICE | 194 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE COMPANY BSC AD&D/LIFE | 274 | $21K |
| Short-term disability | AFLAC | 8 | $3K |
| Long-term disability(2 contracts, 2 carriers) | AFLAC | 23 | $15K |
| Prescription drug | INDEPENDENCE BLUE CROSS PERSONAL CHOICE | 194 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.