| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE, INC. | PO BOX 391 LANSDALE, PA 19446 | DELTA DENTAL | $6K | $0 | $6K | 9.30% |
| SJC BUSINESS SERVICES LLC3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $3K | $166 | $3K | 5.79% |
| BYSWR INSURANCE SERVICES, INC.3 Filed as: BYSWR INSURANCE SERVICES INC. | 357 NORTH MAIN STREET SOUDERTON, PA 18964 | AFLAC | $2K | $0 | $2K | 4.59% |
| BRIAN JOSEPH CAMPO3 | 1726 BECKER ROAD GREEN LANE, PA 18054 | AFLAC | $1K | $234 | $2K | 3.63% |
| SVETLANA ZEITLIN3 Filed as: SVETLANA ZEITLIN AND OTHER AGENTS | 105 ADDIS DRIVE CHURCHVILLE, PA 18966 | AFLAC | $934 | $6 | $940 | 2.02% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW J. JUNIKIEWICZ JR. | 22 BROOK HOLLOW DRIVE SINKING SPRINGS, PA 19608 | AFLAC | $324 | $0 | $324 | 0.70% |
| MATTHEW T OHANLON3 Filed as: MATTHEW T. OHANLON | 101 WEST ELM STREET, SUITE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $205 | $61 | $266 | 0.57% |
| EDWARD F MROWKA JR3 Filed as: EDWARD F. MROWKA JR. | 5106 TIMBER LAND SCHNECKSVILLE, PA 18078 | AFLAC | $202 | $0 | $202 | 0.43% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 22.75% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 124 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 102 | $46K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL | 81 | $108K |
| Vision | INDEPENDENCE BLUE CROSS | 102 | $46K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 103 | $67K |
| Short-term disability | AFLAC | 52 | $47K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $21K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 102 | $46K |
| Other(2 contracts, 2 carriers) | AFLAC | 103 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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.