| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 66 ROUTE 17 PARAMUS, NJ 07652 | INDEPENDENCE BLUE CROSS | $10K | $0 | $10K | 0.52% |
| MICHAEL J LAGOWY3 | 3701 CORPORATE PARKWAY SUITE 310 CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $20K | $5K | $25K | 10.36% |
| JASON ESPENSHADE3 | 3701 CORPORATE PARKWAY SUITE 310 CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $3K | $781 | $4K | 1.70% |
| GUINAN FNCL GRP LLC3 Filed as: GUINAN FINANCIAL GROUP LLC | 1000 CONTINENTAL DRIVE SUITE 695 KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $3K | $258 | $3K | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $3K | $21K | 13.10% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD 400 BERWYN PARK SUITE 200 BERWYN, PA 19321 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 20.66% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $74 | $0 | $74 | 0.18% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 Filed as: ROTH VOLUNTARY BENEFIT SERVICES | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $217 | $2K | 10.74% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $633 | $74 | $707 | 4.52% |
| KEVIN O'NEILL3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $41 | $65 | 0.42% |
| CHERYL E. SCOTT3 Filed as: CHERYL E SCOTT | 318 HOYA AVENUE HARRISBURG, PA 17112 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $60 | $0 | $60 | 0.38% |
| JAMIE LEIGH O'NEILL3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $1 | $30 | 0.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SUITE 400 SADDLE BROOK, NJ 07663 | NATIONAL VISION ADMINISTRATORS, LLC | $779 | $0 | $779 | 5.00% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 265 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 320 | $161K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 214 | $16K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 320 | $201K |
| Short-term disability | NORTHWESTERN MUTUAL | 260 | $239K |
| Long-term disability | NORTHWESTERN MUTUAL | 260 | $239K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 265 | $2.0M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 277 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.