| 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 | $73K | — | $73K | 5.95% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 408 KENNET SQUARE, PA 19348 | UNITED HEALTHCARE INSURANCE | $8K | — | $8K | 14.17% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 429 UNIONVILLE, PA 19375 | NATIONWIDE LIFE INSURANCE COMPANY BSC AD&D/LIFE | $5K | — | $5K | 14.85% |
| FREDERICK W WILSON III3 Filed as: FREDERICK W. WILSON III | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $242 | $5 | $247 | 3.30% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $200 | — | $200 | 2.67% |
| MICHAEL F. RANDLER, JR.3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $186 | $11 | $197 | 2.63% |
| LEILA RAPPAPORT | 116 LAKS DRIVE MIDDLETOWN, DE 19709 | AFLAC | $101 | — | $101 | 1.35% |
| KENNA M ULBINSKY YAKAL | 605 TAMARA CIRCLE NEWARK, DE 19711 | AFLAC | $70 | $0 | $70 | 0.93% |
| ALBERT SHUST | 200 CENTENNIAL AVE, STE 105 PISCATAWAY, NJ 08854 | AFLAC | $64 | $0 | $64 | 0.85% |
| AUTUMN STROHMAIER3 | 254 CHAPMAN ROAD, STE 203 NEWARK, DE 19702 | AFLAC | $63 | $0 | $63 | 0.84% |
| AUTUMN STROHMAIER | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $7 | $0 | $7 | 0.09% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $6 | — | $6 | 0.08% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $6 | — | $6 | 0.08% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $1 | $5 | $6 | 0.08% |
| WORTHAM SAN ANTONIO INC Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $5 | $0 | $5 | 0.07% |
| WORTHAM SAN ANTONIO INC Filed as: JOHN A PITUCH | 23 MORGAN DRIVE SPARTA, NJ 07871 | AFLAC | $1 | $0 | $1 | 0.01% |
| ZACHARY WISLER3 | 254 CHAPMAN ROAD, STE 203 NEWARK, DE 19702 | AFLAC | — | — | $0 | 0.00% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 408 KENNET SQUARE, PA 19348 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $714 | — | $714 | 13.82% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 429 UNIONVILLE, PA 19375 | NATIONWIDE LIFE INSURANCE COMPANY VOL AD&D/LIFE | $730 | — | $730 | 14.21% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $127 | $0 | $127 | 3.51% |
| FREDERICK W WILSON III3 Filed as: FREDERICK W. WILSON III | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $104 | $2 | $106 | 2.93% |
| MICHAEL F. RANDLER, JR.3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $65 | $5 | $70 | 1.93% |
| LEILA RAPPAPORT3 | 116 LAKS DRIVE MIDDLETOWN, DE 19709 | AFLAC | $27 | $0 | $27 | 0.75% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $23 | $2 | $25 | 0.69% |
| KENNA M ULBINSKY YAKAL3 | 605 TAMARA CIRCLE NEWARK, DE 19711 | AFLAC | $18 | $0 | $18 | 0.50% |
| AUTUMN STROHMAIER3 | 16 COLORA SCHOOL ROAD COLORA, MD 21917 | AFLAC | $17 | $0 | $17 | 0.47% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE, STE 105 PISCATAWAY, NJ 08854 | AFLAC | $16 | $0 | $16 | 0.44% |
| AUTUMN STROHMAIER3 | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $2 | $0 | $2 | 0.06% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $1 | — | $1 | 0.03% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $1 | — | $1 | 0.03% |
| WORTHAM SAN ANTONIO INC Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $1 | $0 | $1 | 0.03% |
| WORTHAM SAN ANTONIO INC Filed as: JOHN A PITUCH | 23 MORGAN DRIVE SPARTA, NJ 07871 | AFLAC | $0 | — | $0 | 0.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA DAVID M. BANET & A | LIONVILLE PROFESSIONAL CENTER EXTON, PA 19341 | INDEPENDENCE BLUE CROSS | $165 | — | $165 | 15.45% |
| 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 | 371 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS PPO | 195 | $1.3M |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS PPO | 195 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE COMPANY BSC AD&D/LIFE | 150 | $41K |
| Short-term disability | AFLAC | 11 | $4K |
| Long-term disability(2 contracts, 2 carriers) | AFLAC | 17 | $13K |
| Prescription drug | INDEPENDENCE BLUE CROSS PPO | 195 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.