| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | UNKNOWN BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $34K | $3K | $37K | 2.87% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | INDEPENDENCE BLUE CROSS | $11K | $4K | $16K | 1.22% |
| THE EQUINOX AGENCY LLC3 Filed as: EQUINOX AGENCY, LLC | 402 STATE AVENUE EMMAUS, PA 18049 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $0 | $19K | 2.67% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $0 | $15K | 2.06% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL TOWNSHIP, NJ 07719 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $1K | $1K | 0.20% |
| FIRST BUCKS LLC3 Filed as: FIRST BUCKS, LLC | UNKNOWN LANGHORNE, PA 19047 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 4.82% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 3.13% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | UNKNOWN BLUE BELL, PA 19422 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 2.42% |
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY, LLC | 402 STATE AVENUE EMMAUS, PA 18049 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $80 | $2K | 10.66% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $57 | $1K | 7.56% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35, SUITE 368 WALL TOWNSHIP, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $908 | $908 | 5.96% |
| THE EQUINOX AGENCY LLC3 Filed as: THE EQUINOX AGENCY, LLC | 402 STATE AVENUE EMMAUS, PA 18049 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 14.82% |
| FIRST BUCKS LLC3 Filed as: FIRST BUCKS, LLC | 1717 LANGHORNE NEWTOWN ROAD SUITE 403 LANGHORNE, PA 19047 | AFLAC | $354 | $0 | $354 | 5.21% |
| SVETLANA ZEITLIN3 | 105 ADDIS DRIVE CHURCHVILLE, PA 18966 | AFLAC | $289 | $27 | $316 | 4.65% |
| DREW PELLEGRINO3 Filed as: DREW T. PELLEGRINO & OTHER AGENTS | 2774 SAM SNEAD STREET WEST MELBOURNE, FL 32904 | AFLAC | $113 | $0 | $113 | 1.66% |
| RUSSELL L. DAYVAULT3 | 2777 MEADOWVIEW COURT TARPON SPRINGS, FL 34688 | AFLAC | $83 | $0 | $83 | 1.22% |
| BARBARA M DICKSON3 Filed as: BARBARA M. DICKSON | 8151 164TH AVENUE NE, SUITE 411 REDMOND, WA 98052 | AFLAC | $72 | $0 | $72 | 1.06% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW J. JUNIKIEWICZ JR | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $66 | $0 | $66 | 0.97% |
| LAUNCHPAD BENEFITS SOLUTIONS LLC3 Filed as: LAUNCHPAD BENEFITS SOLUTIONS, LLC | 529 FAYETTE STREET, SUITE 202 CONSHOHOCKEN, PA 19428 | AFLAC | $45 | $6 | $51 | 0.75% |
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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 153 | $2.0M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 197 | $857K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 197 | $857K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 197 | $158K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 197 | $152K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $15K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 153 | $2.0M |
| Other(3 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 197 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.