| 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 PHILADELPHIA, PA 19106 | KEYSTONE HEALTH PLAN EAST | $56K | — | $56K | 5.51% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA GBA | 409 2ND AVENUE SUITE 303 COLLEGEVILLE, PA 19426 | KEYSTONE HEALTH PLAN EAST | $13K | — | $13K | 1.24% |
| AJR ASSOCIATES3 | 605 HERMIT STREET PHILADELPHIA, PA 19128 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 5.08% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY | 2 PAOLI OFFICE PARK PO BOX 1787 PAOLI, PA 19301 | AETNA LIFE INSURANCE CO. | $441 | — | $441 | 1.10% |
| AJR ASSOCIATES3 | 605 HERMIT STREET PHILADELPHIA, PA 19128 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 10.63% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY | 2 PAOLI OFFICE PARK PO BOX 1787 PAOLI, PA 19301 | AETNA LIFE INSURANCE CO. | $568 | — | $568 | 2.41% |
| AJR ASSOCIATES3 | 605 HERMIT STREET PHILADELPHIA, PA 19128 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 10.96% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY INC | 2 PAOLI OFFICE PARK PO BOX 1787 PAOLI, PA 19301 | AETNA LIFE INSURANCE CO. | $527 | — | $527 | 3.53% |
| AJR ASSOCIATES3 | 605 HERMIT STREET PHILADELPHIA, PA 19128 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 9.19% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY | 2 PAOLI OFFICE PARK PO BOX 1787 PAOLI, PA 19301 | AETNA LIFE INSURANCE CO. | $321 | — | $321 | 2.80% |
| AJR ASSOCIATES3 Filed as: AJR ASSOCIATES INC. | 605 HERMIT STREET PHILADELPHIA, PA 19128 | VISION BENEFITS OF AMERICA | $194 | — | $194 | 5.83% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY, INC | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | VISION BENEFITS OF AMERICA | $139 | — | $139 | 4.18% |
| AJR ASSOCIATES3 | 605 HERMIT STREET PHILADELPHIA, PA 19128 | AETNA LIFE INSURANCE CO. | $136 | — | $136 | 9.09% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY | 2 PAOLI OFFICE PARK PO BOX 1787 PAOLI, PA 19301 | AETNA LIFE INSURANCE CO. | $42 | — | $42 | 2.81% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KEYSTONE HEALTH PLAN EAST | 99 | $1.0M |
| Dental | AETNA LIFE INSURANCE CO. | 103 | $40K |
| Vision | VISION BENEFITS OF AMERICA | 41 | $3K |
| Life insurance | AETNA LIFE INSURANCE CO. | 159 | $11K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 159 | $24K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 159 | $15K |
| Prescription drug | KEYSTONE HEALTH PLAN EAST | 99 | $1.0M |
| Other | AETNA LIFE INSURANCE CO. | 159 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.