| 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 | $64K | — | $64K | 5.95% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 408 KENNET SQUARE, PA 19348 | UNITED HEALTHCARE INSURANCE | $7K | — | $7K | 13.56% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 408 KENNET SQUARE, PA 19348 | NATIONWIDE LIFE INSURANCE COMPANY BSC AD&D/LIFE | $5K | — | $5K | 15.00% |
| FREDERICK W WILSON III3 Filed as: FREDERICK W. WILSON III | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $210 | — | $210 | 3.16% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $165 | — | $165 | 2.48% |
| MICHAEL F. RANDLER, JR.3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $154 | — | $154 | 2.32% |
| LEILA RAPPAPORT3 | 116 LASK DR MIDDLETOWN, DE 19709 | AFLAC | $88 | — | $88 | 1.32% |
| AUTUMN STROHMAIER3 | 16 COLORA SCHOOL ROAD COLORA, MD 21917 | AFLAC | $61 | — | $61 | 0.92% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE, STE 105 PISCATAWAY, NJ 08854 | AFLAC | $55 | — | $55 | 0.83% |
| KENNA M ULBINSKY YAKAL3 | 605 TAMARA CIRCLE NEWARK, DE 19711 | AFLAC | $46 | — | $46 | 0.69% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $11 | — | $11 | 0.17% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $5 | — | $5 | 0.08% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $1 | — | $1 | 0.02% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 408 KENNET SQUARE, PA 19348 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $755 | — | $755 | 13.84% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 408 KENNET SQUARE, PA 19348 | NATIONWIDE LIFE INSURANCE COMPANY VOL AD&D/LIFE | $484 | — | $484 | 15.00% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $100 | — | $100 | 3.25% |
| FREDERICK W WILSON III3 Filed as: FREDERICK W. WILSON III | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $85 | — | $85 | 2.77% |
| MICHAEL F. RANDLER, JR.3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $43 | — | $43 | 1.40% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $23 | — | $23 | 0.75% |
| LEILA RAPPAPORT3 | 116 LASK DR MIDDLETOWN, DE 19709 | AFLAC | $22 | — | $22 | 0.72% |
| AUTUMN STROHMAIER3 | 16 COLORA SCHOOL ROAD COLORA, MD 21917 | AFLAC | $15 | — | $15 | 0.49% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE, STE 105 PISCATAWAY, NJ 08854 | AFLAC | $13 | — | $13 | 0.42% |
| KENNA M ULBINSKY YAKAL3 | 605 TAMARA CIRCLE NEWARK, DE 19711 | AFLAC | $11 | — | $11 | 0.36% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $2 | — | $2 | 0.07% |
| 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 | 279 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS PPO | 167 | $1.1M |
| Vision | INDEPENDENCE BLUE CROSS PPO | 167 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE COMPANY BSC AD&D/LIFE | 127 | $38K |
| Short-term disability | AFLAC | 6 | $3K |
| Long-term disability(2 contracts, 2 carriers) | AFLAC | 16 | $12K |
| Prescription drug | INDEPENDENCE BLUE CROSS PPO | 167 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.