| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 12.45% |
| BSI CORPORATE BENEFITS LLC3 | 205 WEBSTER ST SUITE 400 BETHLEHEM, PA 18015 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.55% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN ASSOCIATES LLC | 2002 GIARDINA CT. WALL, NJ 07719 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.49% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $26 | $26 | 0.02% |
| EQUINOX AGENCY LLC THE3 | 1275 GLENLIVET DRIVE SUITE 340 ALLENTOWN, PA 18106 | HIGHMARK, INC. | $3K | $0 | $3K | 8.16% |
| TRANGUCH, NICHOLAS FRANKLIN3 | 3911 MAULFAIR PLACE ALLENTOWN, PA 18106 | HIGHMARK, INC. | $500 | $0 | $500 | 1.41% |
| THE BENECON GROUP3 Filed as: THE BENECON GROUP, LLC | PO BOX 5406 LANCASTER, PA 17606 | HIGHMARK, INC. | $126 | $0 | $126 | 0.36% |
| FLAHERTY, RONALD3 | 1473 DUNWOOD DRIVE WEST CHESTER, PA 19380 | HIGHMARK, INC. | $3 | $0 | $3 | 0.01% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE INC. | 6339 BEVERLY HILLS RD COOPERSBURG, PA 18036 | EYEMED VISION CARE | $1K | $0 | $1K | 23.03% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC - NEW YORK, NY | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | EYEMED VISION CARE | $1K | $0 | $1K | 23.03% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 205 WEBSTER ST BETHLEHEM, PA 18015 | EYEMED VISION CARE | $1K | $0 | $1K | 23.03% |
| THE EQUINOX AGENCY LLC3 Filed as: EQUINOX BENEFITS CONSULTING | 402 STATE AVENUE EMMAUS, PA 18049 | EYEMED VISION CARE | $1K | $0 | $1K | 23.03% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 2338 IMMOKALEE ROAD, SUITE 240 NAPLES, FL 34110 | EYEMED VISION CARE | $1K | $0 | $1K | 23.03% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK, INC. | 63 | $35K |
| Vision | EYEMED VISION CARE | 114 | $6K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 112 | $122K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 112 | $122K |
| Other | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 112 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.