| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA DAVID M. BANET & A | 45 DOWLIN FORGE FOAD EXTON, PA 19341 | INDEPENDENCE BLUE CROSS PPO | $70K | — | $70K | 5.92% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 408 KENNET SQUARE, PA 19348 | UNITED HEALTHCARE INSURANCE | $7K | — | $7K | 15.07% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 429 UNIONVILLE, PA 19375 | NATIONWIDE LIFE INSURANCE COMPANY BSC AD&D/LIFE | $5K | — | $5K | 14.78% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $293 | — | $293 | 3.45% |
| FREDERICK W WILSON III3 Filed as: FREDERICK W. WILSON III | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $286 | — | $286 | 3.37% |
| MICHAEL F. RANDLER, JR.3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $270 | — | $270 | 3.18% |
| LEILA RAPPAPORT | 123 MENDEL COURT BEAR, DE 19701 | AFLAC | $119 | — | $119 | 1.40% |
| KENNA M ULBINSKY YAKAL | 605 TAMARA CIRCLE NEWARK, DE 19711 | AFLAC | $93 | — | $93 | 1.10% |
| ALBERT SHUST | 200 CENTENNIAL AVE, STE 105 PISCATAWAY, NJ 08854 | AFLAC | $76 | — | $76 | 0.90% |
| AUTUMN STROHMAIER3 | 254 CHAPMAN ROAD, STE 203 NEWARK, DE 19702 | AFLAC | $76 | — | $76 | 0.90% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $15 | — | $15 | 0.18% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $7 | — | $7 | 0.08% |
| ZACHARY WISLER3 | 254 CHAPMAN ROAD, STE 203 NEWARK, DE 19702 | AFLAC | $3 | — | $3 | 0.04% |
| JOHN T CAPOZZI3 | 254 CHAPMAN ROAD, STE 203 NEWARK, DE 19702 | AFLAC | $2 | — | $2 | 0.02% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 429 UNIONVILLE, PA 19375 | NATIONWIDE LIFE INSURANCE COMPANY VOL AD&D/LIFE | $731 | — | $731 | 14.23% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 408 KENNET SQUARE, PA 19348 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $599 | — | $599 | 13.60% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $331 | — | $331 | 8.81% |
| MICHAEL F. RANDLER, JR.3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $177 | $5 | $182 | 4.85% |
| FREDERICK W WILSON III3 Filed as: FREDERICK W. WILSON III | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $148 | $2 | $150 | 3.99% |
| ASHLEY PEREZ GONZALEZ3 | 25 FAIRWAY RD. APT 2B NEWARK, DE 19711 | AFLAC | $104 | — | $104 | 2.77% |
| JOHN T CAPOZZI3 | 254 CHAPMAN ROAD, STE 203 NEWARK, DE 19702 | AFLAC | $32 | — | $32 | 0.85% |
| AUTUMN STROHMAIER3 | 254 CHAPMAN ROAD, STE 203 NEWARK, DE 19702 | AFLAC | — | — | $0 | 0.00% |
| KENNA M ULBINSKY YAKAL3 | 605 TAMARA CIRCLE NEWARK, DE 19711 | AFLAC | — | — | $0 | 0.00% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE, STE 105 PISCATAWAY, NJ 08854 | AFLAC | — | — | $0 | 0.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | — | — | $0 | 0.00% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | — | — | $0 | 0.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA DAVID M. BANET & A | LIONVILLE PROFESSIONAL CENTER EXTON, PA 19341 | INDEPENDENCE BLUE CROSS | $129 | — | $129 | 12.09% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA DAVID M. BANET & A | 45 DOWLIN FORGE FOAD EXTON, PA 19341 | INDEPENDENCE BLUE CROSS VISION | $0 | — | $0 | 0.00% |
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 | 267 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS PPO | 192 | $1.2M |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS PPO | 192 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE COMPANY BSC AD&D/LIFE | 165 | $42K |
| Short-term disability | AFLAC | 11 | $4K |
| Long-term disability(2 contracts, 2 carriers) | AFLAC | 20 | $13K |
| Prescription drug | INDEPENDENCE BLUE CROSS PPO | 192 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.