| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF PA, INC. | UNKNOWN PHILADELPHA, PA 19106 | INDEPENDENCE BLUE CROSS | $99K | $10K | $109K | 5.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, INC. | 66 ROUTE 17 PARAMUS, NJ 07652 | INDEPENDENCE BLUE CROSS | $20K | — | $20K | 1.07% |
| MICHAEL J LAGOWY3 Filed as: MICHAEL J. LAGOWY | 3701 CORPORATE PARKWAY, SUITE 310 CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $21K | $5K | $26K | 11.83% |
| GUINAN FNCL GRP LLC3 Filed as: GUINAN FINANCIAL GROUP, LLC | 1000 CONTINENTAL DRIVE, SUITE 695 KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $4K | $318 | $4K | 1.80% |
| JASON ESPENSHADE3 | 3701 CORPORATE PARKWAY CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $2K | $518 | $3K | 1.24% |
| TOMPKINS INS AGENCY3 Filed as: TOMPKINS INSURANCE AGENCY, INC. | 90 MAIN STREET BATAVIA, NY 14020 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $786 | $15K | 10.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 250 PEHLE AVENUE, SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $480 | $3K | 2.24% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $8K | $108 | $8K | 20.26% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC, LLC | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $164 | $164 | 0.40% |
| ROBERT H. ROTH3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $366 | $2K | 9.00% |
| CHERYL E. SCOTT3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 6.03% |
| KEVIN O'NEILL3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $507 | $211 | $718 | 3.25% |
| JAMIE LEIGH O'NEILL3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $335 | $29 | $364 | 1.65% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 14020 | HEARTLAND | $510 | — | $510 | 3.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 250 PEHLE AVENUE, SUITE 400 PARK 80 WEST, PLAZA TWO SADDLE BROOK, NJ 07663 | HEARTLAND | $257 | — | $257 | 1.68% |
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 | 258 | 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) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 258 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 271 | $141K |
| Vision | HEARTLAND | 201 | $15K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 271 | $182K |
| Short-term disability | NORTHWESTERN MUTUAL | 258 | $219K |
| Long-term disability | NORTHWESTERN MUTUAL | 258 | $219K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 258 | $1.9M |
| Other | STANDARD INSURANCE COMPANY | 258 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.