| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | UNKNOWN NEW YORK, NY 10118 | UNITED CONCORDIA DENTAL | $7K | $0 | $7K | 13.15% |
| SJC BUSINESS SERVICES LLC3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $3K | $15 | $3K | 7.82% |
| BYSWR INSURANCE SERVICES, INC.3 Filed as: BYSWR INSURANCE SERVICES INC | 357 NORTH MAIN STREET SOUDERTON, PA 18964 | AFLAC | $3K | $0 | $3K | 6.79% |
| BRIAN JOSEPH CAMPO3 | 1726 BECKER ROAD GREEN LANE, PA 18054 | AFLAC | $1K | $31 | $1K | 2.95% |
| EDWARD F MROWKA JR3 Filed as: EDWARD F. MROWKA JR & OTHER AGENTS | 5106 TIMBER LANE SCHNECKSVILLE, PA 18078 | AFLAC | $843 | $0 | $843 | 1.90% |
| MATTHEW T O'HANLON3 Filed as: MATTHEW T.O. HANLON | 101 WEST ELM STREET, SUTIE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $256 | $9 | $265 | 0.60% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW J. JUNKIKIEWICZ JR | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $205 | $0 | $205 | 0.46% |
| LAUNCHPAD BENEFITS SOLUTIONS LLC3 | 101 WEST ELM STREET, SUITE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $195 | $0 | $195 | 0.44% |
| UNIVEST INSURANCE INC3 | PO BOX 391 LANSDALE, PA 19446 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.87% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 95 | $526K |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA DENTAL | 104 | $97K |
| Vision | INDEPENDENCE BLUE CROSS | 95 | $526K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 103 | $64K |
| Short-term disability | AFLAC | 66 | $44K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 103 | $20K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 95 | $526K |
| Other(2 contracts, 2 carriers) | AFLAC | 103 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.