| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES G HAGENEY3 Filed as: JAMES HAGENEY | 610 W GERMANTOWN AVENUE, SUITE 350 PLYMOUTH MEETING, PA 19462 | UNUM LIFE INSURANCE COMPANY | $11K | — | $11K | 4.07% |
| JAMES G HAGENEY3 Filed as: JAMES HAGENEY | 610 W GERMANTOWN PIKE, SUITE 350 PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND ACCIDENTAL INSURANCE COMPANY | $21K | $11K | $32K | 20.45% |
| VIST INSURANCE LLC3 Filed as: VIST FINANCIAL | 1240 BROADCASTING ROAD WYOMISSING, PA 19610 | PROVIDENT LIFE AND ACCIDENTAL INSURANCE COMPANY | $3K | — | $3K | 2.19% |
| JAMES G HAGENEY3 Filed as: JAMES HAGENEY | 610 W GERMANTOWN AVENUE, SUITE 350 PLUMOUTH MEETING, PA 19462 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.00% |
| JAMES G HAGENEY3 Filed as: JAMES HAGENEY | 1030 TENBY ROAD BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | $25K | — | $25K | 58.62% |
| THE MEGRO CORPORATION3 | ONE WEST FIRST AVENUE SUITE 305 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $2K | — | $2K | 4.25% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC. | 90 MAIN STREET BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $500 | — | $500 | 4.13% |
| THE MEGRO CORPORATION3 Filed as: MEGRO CORPORATION | 1 WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $167 | — | $167 | 1.38% |
| JAMES G HAGENEY3 | 610 WEST GERMANTOWN AVE, SUITE 350 PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $167 | — | $167 | 1.38% |
| JAMES G HAGENEY3 | 610 W GERMANTOWN AVE, SUITE 350 PLYMOUTH MEETING, PA 19462 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 14.36% |
| THE MEGRO CORPORATION3 | ONE WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | INDEPENDENCE ADMINISTRATORS | $103K | — | $103K | — |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE ADMINISTRATORS | 241 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 243 | $43K |
| Vision | VISION SERVICE PLAN | 282 | $37K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 278 | $341K |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY | 278 | $302K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 278 | $437K |
| Prescription drug | INDEPENDENCE ADMINISTRATORS | 241 | $0 |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY | 278 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.