| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST BUCKS LLC3 | 1717 LANGHORNE NEWTON ROAD SUITE 403 LANGHORNE, PA 19047 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $56K | $61K | 5.47% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | UNKNOWN VEVA 16, SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $0 | $19K | 1.71% |
| FIRST BUCKS LLC3 | 1717 LANGHORNE NEWTON ROAD SUITE 403 LANGHORNE, PA 19047 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.30% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.89% |
| FIRST BUCKS LLC3 | 1717 LANGHORNE NEWTON ROAD SUITE 403 LANGHORNE, PA 19047 | AFLAC | $392 | $0 | $392 | 6.28% |
| SVETLANA ZEITLIN3 | 105 ADDIS DRIVE CHURCHVILLE, PA 18966 | AFLAC | $286 | $8 | $294 | 4.71% |
| RUSSELL L. DAYVAULT3 | 2777 MEADOWVIEW COURT TARPON SPRINGS, FL 34688 | AFLAC | $125 | $33 | $158 | 2.53% |
| MARIO VALORI3 Filed as: MARIO VALORI AND OTHER AGENTS | 3245 EGLANTINE DRIVE VINELAND, NJ 08360 | AFLAC | $149 | $8 | $157 | 2.51% |
| BARBARA M DICKSON3 Filed as: BARBARA M. DICKSON | 8151 164TH AVENUE NE, SUITE 411 REDMOND, WA 98052 | AFLAC | $72 | $0 | $72 | 1.15% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW J. JUNIKIEWICZ JR | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $64 | $0 | $64 | 1.03% |
| LAUNCHPAD BENEFITS SOLUTIONS LLC3 | 529 FAYETTE STREET, SUITE 202 CONSHOHOCKEN, PA 19428 | AFLAC | $51 | $10 | $61 | 0.98% |
| FIRST BUCKS LLC3 | 1717 LANGHORNE NEWTON ROAD SUITE 403 LANGHORNE, PA 19047 | AFLAC | $367 | $0 | $367 | 6.43% |
| SVETLANA ZEITLIN3 | 105 ADDIS DRIVE CHURCHVILLE, PA 18966 | AFLAC | $249 | $8 | $257 | 4.50% |
| RUSSELL L. DAYVAULT3 | 2777 MEADOWVIEW COURT TARPON SPRINGS, FL 34688 | AFLAC | $132 | $33 | $165 | 2.89% |
| MARIO VALORI3 Filed as: MARIO VALORI AND OTHER AGENTS | 3245 EGLANTINE DRIVE VINELAND, NJ 08360 | AFLAC | $151 | $8 | $159 | 2.78% |
| BARBARA M DICKSON3 Filed as: BARBARA M. DICKSON | 8151 164TH AVENUE NE, SUITE 411 REDMOND, WA 98052 | AFLAC | $66 | $0 | $66 | 1.16% |
| LAUNCHPAD BENEFITS SOLUTIONS LLC3 | 529 FAYETTE STREET, SUITE 202 CONSHOHOCKEN, PA 19428 | AFLAC | $50 | $10 | $60 | 1.05% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW J. JUNIKIEWICZ JR | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $57 | $0 | $57 | 1.00% |
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 | 96 | 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) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 132 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 132 | $1.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 132 | $1.1M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 140 | $51K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 140 | $51K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 132 | $1.1M |
| Other(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 140 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.