| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $6K | $0 | $6K | 7.88% |
| PAA SERVICES INC3 Filed as: PAA SERVICES, INC. | 1925 NORTH FRONT STREET HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $3K | $3K | 3.22% |
| WHARTON BENEFITS INC3 | 110 NORTH PHOENIXVILLE PIKE MALVERN, PA 19335 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.98% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | FINANCIAL SERVICES LLC 12404 PARK CENTRAL DR., SUITE 400S DALLAS, TX 75251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.31% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $794 | $0 | $794 | 2.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $458 | $458 | 1.17% |
| WHARTON BENEFITS INC3 | 110 NORTH PHOENIXVILLE PIKE MALVERN, PA 19335 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $820 | $0 | $820 | 9.32% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $501 | $0 | $501 | 5.69% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | FINANCIAL SERVICES LLC 12404 PARK CENTRAL DR., SUITE 400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $273 | $273 | 3.10% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $120 | $120 | 1.36% |
| WHARTON BENEFITS INC3 | 110 NORTH PHOENIXVILLE PIKE MALVERN, PA 19335 | VISION SERVICE PLAN | $255 | $0 | $255 | 6.41% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $106 | $0 | $106 | 2.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | VISION SERVICE PLAN | $35 | $0 | $35 | 0.88% |
| WHARTON BENEFITS INC3 | 110 NORTH PHOENIXVILLE PIKE MALVERN, PA 19335 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $360 | $0 | $360 | 9.50% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $208 | $0 | $208 | 5.49% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | FINANCIAL SERVICES LLC 12404 PARK CENTRAL DR., SUITE 400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $120 | $120 | 3.17% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $44 | $44 | 1.16% |
| WHARTON BENEFITS INC3 | 110 NORTH PHOENIXVILLE PIKE MALVERN, PA 19335 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $227 | $0 | $227 | 10.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENY LLC | P.O. BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $106 | $0 | $106 | 4.77% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | FINANCIAL SERVICES LLC 12404 PARK CENTRAL DR., SUITE 400S DALLAS, TX 75251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $76 | $76 | 3.42% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $27 | $27 | 1.22% |
| WHARTON BENEFITS INC3 | 110 NORTH PHOENIXVILLE PIKE MALVERN, PA 19335 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $232 | $0 | $232 | 12.33% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | FINANCIAL SERVICES LLC 12404 PARK CENTRAL DR., SUITE 400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $77 | $77 | 4.09% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $50 | $0 | $50 | 2.66% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $25 | $25 | 1.33% |
| WHARTON BENEFITS INC3 | 110 NORTH PHOENIXVILLE PIKE MALVERN, PA 19335 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $141 | $0 | $141 | 11.32% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $46 | $0 | $46 | 3.69% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | FINANCIAL SERVICES LLC 12404 PARK CENTRAL DR., SUITE 400S DALLAS, TX 75251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7 | $7 | 0.56% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6 | $6 | 0.48% |
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 | 90 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 117 | $970K |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 57 | $39K |
| Vision | VISION SERVICE PLAN | 38 | $4K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 44 | $10K |
| Short-term disability(3 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 47 | $86K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 20 | $83K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 117 | $889K |
| Other(3 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 44 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.