| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1166 AVE OF THE AMERICANS NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | $91K | — | $91K | 14.92% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | — | $31K | $31K | 5.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $14K | $14K | 2.33% |
| RONALD M KLEIMAN3 | 4522 RED OAK LANE LONG GROVE, IL 60047 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 1.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 0.50% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55K | — | $55K | 50.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55K | — | $55K | 50.03% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP | 203 MARKET ST SUITE 210 HAVRE DE GRACE, MD 21078 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $5K | $5K | 4.53% |
| DAVID SPANGLER4 | 31 MARIE DR QUARRYVILLE, PA 175669243 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 7.91% |
| LIFE SOLUTIONS4 | 2929 GETTYSBURG RD STE 5 CAMP HILL, PA 170117253 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $954 | — | $954 | 4.68% |
| KEYSTONE BENEFIT CONSULTANTS4 | 2929 GETTYSBURG RD STE 5 CAMP HILL, PA 170117253 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $110 | — | $110 | 0.54% |
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 | 845 | 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) | 845 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HIGHMARK, INC. | 1,237 | $111K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,318 | $719K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,318 | $609K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,318 | $609K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 2,328 | $779K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,328 | — |
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.