| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED INSURANCE CONCEPTS INC3 Filed as: ADVANCED INSURANCE CONCEPTS | 601 WALNUT ST SUITE 805 PHILADELPHIA, PA 19106 | KEYSTONE HEALTH PLAN EAST | $91K | — | $91K | 4.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF PA LP | 601 WALNUT ST SUITE 205 PHILADELPHIA, PA 19106 | KEYSTONE HEALTH PLAN EAST | $6K | — | $6K | 0.32% |
| ADVANCED INSURANCE CONCEPTS INC3 Filed as: ADVANCED INSURANCE CONCEPTS | 601 WALNUT ST SUITE 805 PHILADELPHIA, PA 19106 | IBC PERSONAL CHOICE | $24K | — | $24K | 4.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF PA LP | 601 WALNUT ST SUITE 205 PHILADELPHIA, PA 19106 | IBC PERSONAL CHOICE | $785 | — | $785 | 0.16% |
| ONEILL CONSULTING CORP3 Filed as: ONEILL CONSULTING INC | 487 DEVON PARK DR SUITE 206 WAYNE, PA 19087 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 4.35% |
| ONEILL CONSULTING CORP3 | 487 DEVON PARK DR SUITE 206 WAYNE, PA 19087 | VISION BENEFITS OF AMERICA | $732 | — | $732 | 4.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SPEAR WILDERMAN NONE | Actuarial; Direct payment from the plan Service code 11 | 230 S BROAD ST SUITE 1400 PHILADELPHIA, PA 19102 | $12K |
| ANTHONY M PONTARLLI CPA LLC EIN 32-0048632 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 1037 MILLCREEK DR UNIT B FEASTERVILLE, PA 19053 | $6K |
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 | 1,575 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE HEALTH PLAN EAST | 266 | $2.4M |
| Vision(2 contracts) | VISION BENEFITS OF AMERICA | 596 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 596 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.