| 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 | $71K | $36K | $106K | 30.08% |
| JASON ESPENSHADE3 | 3701 CORPORATE PARKWAY, SUITE 310 CENTER VALLEY, PA 18034 | NORTHWESTERN MUTUAL | $7K | $5K | $12K | 3.44% |
| GUINAN FNCL GRP LLC3 Filed as: GUINAN FINANCIAL GROUP, LLC | 1000 CONTINENTAL DRIVE, SUITE 695 KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $7K | $2K | $9K | 2.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $4K | $36K | 12.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 6279 TRI RIDGE BOULEVARD, SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $111 | $111 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 4.96% |
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 | 505 | 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) | 505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 336 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 505 | $280K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 330 | $30K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 505 | $280K |
| Short-term disability | NORTHWESTERN MUTUAL | 387 | $354K |
| Long-term disability | NORTHWESTERN MUTUAL | 387 | $354K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 336 | $2.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 505 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 505 | — |
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.