| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNA LP | THE CURTIS CENTER 601 WALNUT STREET #805 PHILADELPHIA, PA 19106 | INDEPENDENCE BLUE CROSS | $141K | — | $141K | 8.48% |
| MICHAEL J LAGOWY3 Filed as: MICHAEL J. LAGOWY | 3701 CORPORATE PKWY SUITE 310 CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $20K | $5K | $25K | 11.80% |
| TRS AGENCY LLC3 Filed as: TRS AGENCY, LLC | 1818 MARKET STREET SUITE 3400 PHILADELPHIA, PA 19103 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $5K | $462 | $5K | 2.32% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 1767 SENTRY PARKWAY WEST SUITE 200 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.20% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 20.00% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC, LLC | P.O. BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $62 | — | $62 | 0.20% |
| CHERYL E. SCOTT3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $248 | $5K | 27.33% |
| ROBERT H. ROTH3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $717 | $4K | 19.64% |
| KEVIN O'NEILL3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $810 | $2K | 12.59% |
| JAMIE LEIGH O'NEILL3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $770 | $106 | $876 | 4.51% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 140202109 | NATIONAL VISION ADMINISTRATORS, LLC | $736 | — | $736 | 5.00% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 140202109 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 12.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNA, LP | THE CURTIS CENTER 601 WALNUT STREET #805 PHILADELPHIA, PA 19106 | INDEPENDENCE BLUE CROSS - KEYSTONE | $2K | — | $2K | 14.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $14K |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 251 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $118K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 132 | $15K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 207 | $44K |
| Short-term disability | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | 246 | $215K |
| Long-term disability | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | 246 | $215K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 251 | $1.7M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 38 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.