| 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% |
| LIFE AND HEALTH INS SVCS3 | 1716 W DOE RUN ROAD UNIONVILLE, PA 19375 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| 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% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, VEVA 16 BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS VISION | — | — | $0 | 0.00% |
| FEDERICK W. WILSON III3 | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $204 | — | $204 | 3.46% |
| LIFE AND HEALTH INS SVCS3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $182 | — | $182 | 3.09% |
| MICHAEL F. RANDLER, JR.3 Filed as: MICHAEL F RANDLER JR | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $157 | — | $157 | 2.66% |
| LEILA RAPPAPORT3 | 116 LAKS DR MIDDLETOWN, DE 19709 | AFLAC | $74 | — | $74 | 1.26% |
| AUTUMN STROHMAIER3 | 242 BUTTONWOOD RD LANDENBERG, PA 19350 | AFLAC | $51 | — | $51 | 0.87% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE SUITE 105 PSCATAWAY, NJ 08854 | AFLAC | $47 | — | $47 | 0.80% |
| KENNA M ULBINSKY YAKAL | 605 TAMARA CIR NEWARK, DE 19711 | AFLAC | $39 | — | $39 | 0.66% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 225 SPARTA, NJ 07871 | AFLAC | $9 | — | $9 | 0.15% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $4 | — | $4 | 0.07% |
| JOHN T CAPOZZI3 | 242 WICKLEBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $1 | — | $1 | 0.02% |
| JOSHUA M PINCUS SOKOLOFF3 | 6100 CHEVY CHASE DR STE 105 LAUREL, MD 20707 | AFLAC | $1 | — | $1 | 0.02% |
| LIFE AND HEALTH INS SVCS3 | 1716 W DOE RUN ROAD UNIONVILLE, PA 19375 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $606 | — | $606 | 18.42% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWYW VEVA 16 SUITE 320 BLUEBELL, PA 19422 | NATIONAL VISION ADMINISTRATORS, L.L.C | $155 | — | $155 | 7.50% |
| 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 | $155 | — | $155 | 7.50% |
| LIFE AND HEALTH INS SVCS3 | 1716 W DOE RUN ROAD UNIONVILLE, PA 19375 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $89 | — | $89 | 15.06% |
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 | 134 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS PPO | 134 | $891K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS VISION | 132 | $9K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 140 | $22K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 17 | $20K |
| Prescription drug | INDEPENDENCE BLUE CROSS PPO | 134 | $891K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 140 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.