| 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 | $10K | — | $10K | 4.73% |
| JAMES G HAGENEY3 Filed as: JAMES HAGENEY | 610 W GERMANTOWN PIKE SUITE 350 PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND ACCIDENTAL INSURANCE COMPANY | $36K | $19K | $56K | 28.93% |
| VIST INSURANCE LLC3 Filed as: VIST FINANCIAL | 1240 BROADCASTING ROAD WYOMISSING, PA 19610 | PROVIDENT LIFE AND ACCIDENTAL INSURANCE COMPANY | $2K | $419 | $3K | 1.46% |
| JAMES G HAGENEY3 Filed as: JAMES HAGENEY | 610 W GERMANTOWN AVENUE SUITE 350 PLYMOUTH MEETING, PA 19462 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| THE MEGRO CORPORATION3 | ONE WEST FIRST AVENUE SUITE 305 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $2K | — | $2K | 4.36% |
| JAMES G HAGENEY3 Filed as: JAMES HAGENEY | 1030 TENBY ROAD BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | $16K | — | $16K | 57.50% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC. | 90 MAIN STREET BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $372 | — | $372 | 4.10% |
| THE MEGRO CORPORATION3 Filed as: MEGRO CORPORATION | 1 WEST FIRST AVENUE SUITE 305 CONSHOHOCKEN, PA 19428 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $124 | — | $124 | 1.37% |
| JAMES G HAGENEY3 | 610 WEST GERMANTOWN AVE SUITE 350 PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $124 | — | $124 | 1.37% |
| JAMES G HAGENEY3 | 610 W GERMANTOWN AVE SUITE 350 PLYMOUTH MEETING, PA 19462 | FIRST UNUM LIFE INSURANCE COMPANY | $621 | — | $621 | 14.91% |
| THE MEGRO CORPORATION3 | ONE WEST FIRST AVENUE SUITE 305 CONSHOHOCKEN, PA 19428 | INDEPENDENCE ADMINISTRATORS | $95K | — | $95K | — |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE ADMINISTRATORS | 223 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 232 | $29K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 242 | $35K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 233 | $256K |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY | 233 | $229K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 233 | $408K |
| Prescription drug | INDEPENDENCE ADMINISTRATORS | 223 | $0 |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY | 233 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.