| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS PPO | $75K | — | $75K | 3.98% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY BLUE BELL, PA 19422 | KEYSTONE HEALTH PLAN | $65K | — | $65K | 3.72% |
| ONEILL CONSULTING CORP | 485 DEVON PARK DR WAYNE, PA 19087 | THE HARTFORD | — | $24K | $24K | 11.26% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS PPO | $2K | — | $2K | 1.24% |
| ONEILL CONSULTING CORP3 | 485 DEVON PARK DR WAYNE, PA 19087 | DELTA DENTAL | — | $6K | $6K | 4.00% |
| ONEILL CONSULTING CORP3 | 485 DEVON PARK DR WAYNE, PA 19087 | DELTA DENTAL | — | $4K | $4K | 4.00% |
| ONEILL CONSULTING CORP3 | 485 DEVON PARK DR WAYNE, PA 19087 | DELTA DENTAL | — | $4K | $4K | 4.00% |
| ONEILL CONSULTING CORP3 | 485 DEVON PARK DR WAYNE, PA 19087 | VISION BNENFITS OF AMERICA | — | $427 | $427 | 4.27% |
| ONEILL CONSULTING CORP3 | 485 DEVON PARK DR WAYNE, PA 19087 | VISION BNENFITS OF AMERICA | — | $997 | $997 | 42.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHONY PONTARELLI CPA, LLC EIN 32-0048632 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 208 E PENNSYLVANIA BLVD FEASTERVILLE, PA 19053 | $7K |
| SPEAR WILDERMAN EIN 23-2331913 NONE | Actuarial; Direct payment from the plan Service code 11 | 230 S BROAD ST PHILADELPHIA, PA 19102 | $5K |
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 | 1,222 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS PPO | 287 | $3.8M |
| Dental(3 contracts) | DELTA DENTAL | 549 | $355K |
| Vision(2 contracts) | VISION BNENFITS OF AMERICA | 637 | $12K |
| Life insurance | THE HARTFORD | 1,402 | $209K |
| Long-term disability | THE HARTFORD | 1,402 | $209K |
| Other | THE HARTFORD | 1,402 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,402 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.