| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL J LAGOWY3 Filed as: MICHAEL J. LAGOWY | 3701 CORPORATE PARKWAY, SUITE 310 CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $13K | $3K | $16K | 6.75% |
| JASON ESPENSHADE3 | 3701 CORPORATE PARKWAY, SUITE 310 CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $2K | $403 | $2K | 0.83% |
| GUINAN FNCL GRP LLC3 Filed as: GUINAN FINANCIAL GROUP, LLC | 1000 CONTINENTAL DRIVE, SUITE 695 KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $1K | $136 | $2K | 0.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 250 PEHLE AVENUE, SUITE 400 PARK 80, PLAZA 2 SADDLEBROOK, NJ 07663 | DELTA DENTAL OF PENNSYLVANIA | $14K | $0 | $14K | 10.00% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $8K | $312 | $9K | 20.75% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC, LLC | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $0 | $78 | $78 | 0.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 250 PEHLE AVENUE, SUITE 400 PARK 80, PLAZA 2 SADDLEBROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $637 | $6K | 21.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 250 PEHLE AVENUE, SUITE 400 PARK 80, PLAZA 2 SADDLEBROOK, NJ 07663 | NATIONAL VISION ADMINISTRATORS, LLC | $779 | $0 | $779 | 5.00% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $8 | $1K | 9.81% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $645 | $87 | $732 | 5.76% |
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 | 284 | 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) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 261 | $1.7M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 303 | $139K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 214 | $16K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 284 | $68K |
| Short-term disability | NORTHWESTERN MUTUAL | 272 | $236K |
| Long-term disability | NORTHWESTERN MUTUAL | 272 | $236K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 261 | $1.7M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 284 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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."
No prospect flags tripped on this filing.