| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 NORTH PIMA RD STE 210 SCOTTSDALE, AZ 85260 | SYMETRA LIFE INSURANCE COMPANY | $0 | $40K | $40K | 5.03% |
| BSI CORPORATE BENEFITS LLC3 | 79 WEST MARKET ST SUITE 400 BETHLEHEM, PA 18018 | HARTFORD LIFE AND ACCIDENT | $12K | $0 | $12K | 4.77% |
| JAMES A RUSH3 Filed as: JAMES A. RUSH | 1822 FAIRVEIW AVE EASTON, PA 18042 | AFLAC | $1K | $0 | $1K | 2.99% |
| HUGHEY W HAUGHNEY3 | 1371 OAK DR MACUNGIE, PA 18062 | AFLAC | $981 | $0 | $981 | 2.87% |
| EDWARD F MROWKA JR3 | 5106 TIMBER LN SCHNECKSVILLE, PA 18078 | AFLAC | $374 | $0 | $374 | 1.09% |
| JUSTIN P ABRAHAM3 | 3841 HIGHPOINT DR ALLENTOWN, PA 18103 | AFLAC | $347 | $0 | $347 | 1.01% |
| EDWARD T SAWICKI3 | 3832 LINDEN ST ALLENTOWN, PA 18104 | AFLAC | $277 | $0 | $277 | 0.81% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH B MCGINTY, JR | 1150 GLENLIVET DR STE A13 ALLENTOWN, PA 18106 | AFLAC | $268 | $0 | $268 | 0.78% |
| JACQUELINE M EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $130 | $0 | $130 | 0.38% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 29100 NORTHWESTERN HWY STE 310 SOUTHFIELD, MI 48034 | AFLAC | $126 | $0 | $126 | 0.37% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $122 | $0 | $122 | 0.36% |
| DELMAS R BUTLER JR3 | 465 TULPEHOCKEN ST PINE GROVE, PA 17963 | AFLAC | $75 | $0 | $75 | 0.22% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $50 | $0 | $50 | 0.15% |
| JAMES ELDER BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $48 | $0 | $48 | 0.14% |
| SUMMER L JESS3 | 4129 PENN AVE APT C READING, PA 19608 | AFLAC | $30 | $0 | $30 | 0.09% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $21 | $0 | $21 | 0.06% |
| DENTON E QUICK3 | 2202 WELLINGTON BLVD WYOMISSING, PA 19610 | AFLAC | $19 | $0 | $19 | 0.06% |
| NORMAN PINHAS3 | 2A LONGSTREET MONROE TOWNSHIP, NJ 08831 | AFLAC | $18 | $0 | $18 | 0.05% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $17 | $0 | $17 | 0.05% |
| TARA MICHELLE D AGOSTINO3 | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC | $12 | $0 | $12 | 0.04% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $10 | $0 | $10 | 0.03% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $10 | $0 | $10 | 0.03% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $10 | $0 | $10 | 0.03% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $9 | $0 | $9 | 0.03% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $5 | $0 | $5 | 0.01% |
| ROBERT C. BRENTARI3 Filed as: ROBERT C BRENTARI | 2 PRINCESS RD LAWRENCEVILLE, NJ 08648 | AFLAC | $4 | $0 | $4 | 0.01% |
| CHRISTOPHER A LUPP3 | 5010 E TRINDLE RD STE 201 MECHANICSBURG, PA 17050 | AFLAC | $3 | $0 | $3 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINCCRCA BEACH WAY NEW SMYRNA BEACH, FL 32169 | AFLAC | $0 | $0 | $0 | 0.00% |
| ROB VEST4 | 139 DUTCHMANS POINT PORT HAYWOOD, VA 23138 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $235 | $0 | $235 | 14.32% |
| RONALD DAVIS4 | 1015 SIVELY ST HANOVER TOWNSHIP, PA 18706 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $32 | $0 | $32 | 1.95% |
| STEVE VAN KOUTEREN4 | 1936 W WASHINGTON ST ALLENTOWN, PA 18104 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $27 | $0 | $27 | 1.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $264K |
| JANUS ASSOCIATES EIN 52-1306404 ADMIN | Claims processing Service code 12 | — | $52K |
| GEISINGER EIN 23-2311553 ADMIN | Claims processing Service code 12 | — | $35K |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 ADMIN | Claims processing Service code 12 | — | $21K |
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 | 626 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 646 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | 29 | $7K |
| Vision | VISION BENEFITS OF AMERICA | 79 | $20K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 626 | $252K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 626 | $252K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 626 | $252K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 557 | $787K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 626 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 626 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.