| 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 | $62K | — | $62K | 70.67% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 408 KENNET SQUARE, PA 19348 | UNITED HEALTHCARE INSURANCE | $7K | — | $7K | 16.29% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 429 UNIONVILLE, PA 19375 | NATIONWIDE LIFE INSURANCE COMPANY BSC AD&D/LIFE | $5K | — | $5K | 14.95% |
| FREDERICK W WILSON III3 Filed as: FREDERICK W. WILSON III | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $230 | — | $230 | 3.16% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $180 | — | $180 | 2.47% |
| MICHAEL F. RANDLER, JR.3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $168 | — | $168 | 2.31% |
| LEILA RAPPAPORT3 | 116 LAKS DRIVE MIDDLETOWN, DE 19709 | AFLAC | $97 | — | $97 | 1.33% |
| AUTUMN STROHMAIER3 | 16 COLORA SCHOOL ROAD COLORA, MD 21917 | AFLAC | $67 | — | $67 | 0.92% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE, STE 105 PISCATAWAY, NJ 08854 | AFLAC | $61 | — | $61 | 0.84% |
| KENNA M ULBINSKY YAKAL3 | 605 TAMARA CIRCLE NEWARK, DE 19711 | AFLAC | $57 | — | $57 | 0.78% |
| WORTHAM SAN ANTONIO INC Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $12 | — | $12 | 0.16% |
| 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 | $2 | — | $2 | 0.03% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 408 KENNET SQUARE, PA 19348 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $735 | — | $735 | 13.72% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 429 UNIONVILLE, PA 19375 | NATIONWIDE LIFE INSURANCE COMPANY VOL AD&D/LIFE | $614 | — | $614 | 14.86% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $104 | — | $104 | 3.16% |
| FREDERICK W WILSON III3 Filed as: FREDERICK W. WILSON III | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $93 | — | $93 | 2.83% |
| MICHAEL F. RANDLER, JR.3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $51 | — | $51 | 1.55% |
| LEILA RAPPAPORT3 | 116 LAKS DRIVE MIDDLETOWN, DE 19709 | AFLAC | $27 | — | $27 | 0.82% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $21 | — | $21 | 0.64% |
| KENNA M ULBINSKY YAKAL3 | 605 TAMARA CIRCLE NEWARK, DE 19711 | AFLAC | $18 | — | $18 | 0.55% |
| AUTUMN STROHMAIER3 | 16 COLORA SCHOOL ROAD COLORA, MD 21917 | AFLAC | $18 | — | $18 | 0.55% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE, STE 105 PISCATAWAY, NJ 08854 | AFLAC | $16 | — | $16 | 0.49% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $3 | — | $3 | 0.09% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $1 | — | $1 | 0.03% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 328 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS PPO | 172 | $132K |
| Vision | INDEPENDENCE BLUE CROSS PPO | 172 | $88K |
| Life insurance(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE COMPANY BSC AD&D/LIFE | 150 | $40K |
| Short-term disability | AFLAC | 7 | $3K |
| Long-term disability(2 contracts, 2 carriers) | AFLAC | 16 | $13K |
| Prescription drug | INDEPENDENCE BLUE CROSS PPO | 172 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.