| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL MACNEAL3 | 421 WAYNEBROOK DR CHESTER SPRINGS, PA 19425 | DELTA DENTAL - SBA PA | $3K | $0 | $3K | 9.84% |
| PCF INSURANCE SERVICES OF THE WEST3 | 105 MONTGOMERY AVENUE SUITE 2051 MONTGOMERYVILLE, PA 18936 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $821 | $0 | $821 | 7.06% |
| THE BRIC AGENCY3 | 421 WAYNEBROOK DR CHESTER SPRINGS, PA 19425 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $458 | $0 | $458 | 3.94% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W SUITE 320 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $281 | $0 | $281 | 2.42% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $208 | $0 | $208 | 1.79% |
| PCF INSURANCE SERVICES OF THE WEST3 | 105 MONTGOMERY AVENUE SUITE 2051 MONTGOMERYVILLE, PA 18936 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $834 | $0 | $834 | 7.24% |
| THE BRIC AGENCY3 | 421 WAYNEBROOK DR CHESTER SPRINGS, PA 19425 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $434 | $0 | $434 | 3.77% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W SUITE 320 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $279 | $0 | $279 | 2.42% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $197 | $0 | $197 | 1.71% |
| PCF INSURANCE SERVICES OF THE WEST3 | 105 MONTGOMERY AVENUE SUITE 2051 MONTGOMERYVILLE, PA 18936 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $584 | $0 | $584 | 9.90% |
| THE BRIC AGENCY3 | 421 WAYNEBROOK DR CHESTER SPRINGS, PA 19425 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $301 | $0 | $301 | 5.10% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W SUITE 320 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $144 | $0 | $144 | 2.44% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $100 | $0 | $100 | 1.69% |
| MICHAEL MACNEAL3 | PO BOX 249 MONTGOMERYVILLE, PA 18936 | HIGHMARK INC | $102 | $0 | $102 | 2.22% |
| THE BENECON GROUP3 Filed as: THE BENECON GROUP, LLC | PO BOX 5406 LANCASTER, PA 17606 | HIGHMARK INC | $91 | $0 | $91 | 1.98% |
| ALBERT MARINO3 | 200 CONTINENTAL DRIVE SUITE 305 NEWARK, DE 19713 | HIGHMARK INC | $79 | $0 | $79 | 1.72% |
| PCF INSURANCE SERVICES OF THE WEST3 | 105 MONTGOMERY AVENUE SUITE 2051 MONTGOMERYVILLE, PA 18936 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $76 | $0 | $76 | 9.68% |
| THE BRIC AGENCY3 | 421 WAYNEBROOK DR CHESTER SPRINGS, PA 19425 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $42 | $0 | $42 | 5.35% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W SUITE 320 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19 | $0 | $19 | 2.42% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14 | $0 | $14 | 1.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $43K |
| PCF INSURANCE SERVICES OF THE WEST, EIN 82-1368960 BROKER | Insurance agents and brokers Service code 22 | — | $14K |
| THE BRIC AGENCY EIN 39-2297785 BROKER | Insurance agents and brokers Service code 22 | — | $5K |
| HIGHMARK BLUE SHIELD (CENTRAL) EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $1K |
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 | 54 | 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) | 54 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL - SBA PA | 44 | $26K |
| Vision | HIGHMARK INC | 84 | $5K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 54 | $12K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 54 | $12K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 54 | $6K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 38 | $214K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 30 | $785 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 84 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.