| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST VEVA 16 BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS PPO | — | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 45 DOWLIN FORGE ROAD EXTON, PA 19341 | UNITED CONCORDIA COMPANIES INC | $6K | — | $6K | 14.14% |
| LIFE AND HEALTH INS SVCS | 1716 W DOE RUN ROAD UNIONVILLE, PA 19375 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| LIFE AND HEALTH INS SVCS3 | 1716 W DOE RUN ROAD UNIONVILLE, PA 19375 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| FEDERICK W. WILSON III3 | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $250 | $4 | $254 | 3.27% |
| LIFE AND HEALTH INS SVCS3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $224 | — | $224 | 2.88% |
| MICHAEL F. RANDLER, JR.3 Filed as: MICHAEL F RANDLER JR | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $200 | $8 | $208 | 2.68% |
| LEILA RAPPAPORT3 | 116 LAKS DR MIDDLETOWN, DE 19709 | AFLAC | $95 | — | $95 | 1.22% |
| AUTUMN STROHMAIER3 | 242 BUTTONWOOD RD LANDENBERG, PA 19350 | AFLAC | $66 | — | $66 | 0.85% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE SUITE 105 PSCATAWAY, NJ 08854 | AFLAC | $60 | — | $60 | 0.77% |
| KENNA M ULBINSKY YAKAL | 605 TAMARA CIR NEWARK, DE 19711 | AFLAC | $50 | — | $50 | 0.64% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 225 SPARTA, NJ 07871 | AFLAC | $11 | — | $11 | 0.14% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $6 | — | $6 | 0.08% |
| JOSHUA M PINCUS SOKOLOFF3 | 6100 CHEVY CHASE DR STE 105 LAUREL, MD 20707 | AFLAC | $1 | $4 | $5 | 0.06% |
| JOHN T CAPOZZI3 | 242 WICKLEBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $2 | — | $2 | 0.03% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, VEVA 16 BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS VISION | — | — | $0 | 0.00% |
| LIFE AND HEALTH INS SVCS3 | 1716 W DOE RUN ROAD UNIONVILLE, PA 19375 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $644 | — | $644 | 14.99% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWYW VEVA 16 SUITE 320 BLUEBELL, PA 19422 | NATIONAL VISION ADMINISTRATORS, L.L.C | $216 | — | $216 | 7.51% |
| LIFE & HEALTH INSURANCE COMPANY3 Filed as: LIFE AND HEALTH INSURANCE SERVICES | PO BOX 429 1716 W. DOE RUN RD UNIONVILLE, PA 19375 | NATIONAL VISION ADMINISTRATORS, L.L.C | $216 | — | $216 | 7.51% |
| LIFE AND HEALTH INS SVCS3 | 1716 W DOE RUN ROAD UNIONVILLE, PA 19375 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $94 | — | $94 | 15.02% |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS PPO | 145 | $835K |
| Dental | UNITED CONCORDIA COMPANIES INC | 69 | $41K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS VISION | 138 | $10K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 24 | $19K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 19 | $23K |
| Prescription drug | INDEPENDENCE BLUE CROSS PPO | 145 | $835K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 15 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
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.