| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS CONSULTANTS3 | 682 N. BROOKSIDE RD. ALLENTOWN, PA 18106 | SYMETRA LIFE INSURANCE COMPANY | $37K | — | $37K | 6.08% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE, SUITE 305 ELMWOOD PARK, NJ 07407 | STANDARD INSURANCE COMPANY | $30K | — | $30K | 6.05% |
| JASON IANNANTUONO3 | 8808 CLEARWATER CIR. FOGELSVILLE, PA 18051 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 1.04% |
| THE EQUINOX AGENCY LLC3 Filed as: EQUINOX AGENCY LLC | 402 STATE AVE. EMMAUS, PA 18049 | STANDARD INSURANCE COMPANY | $30 | — | $30 | 0.01% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| JOHN J IANNANTUONO3 | 682 N. BROOKSIDE ROAD ALLENTOWN, PA 18106 | HARTFORD LIFE AND ACCIDENT | $430 | — | $430 | 15.01% |
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 | 1,359 | 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) | 1,359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 819 | $497K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,359 | $84K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 812 | $615K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 812 | $615K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 812 | $615K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 812 | $618K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,359 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.