| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4 RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | AETNA HEALTH, INC. | — | $54K | $54K | 4.10% |
| SHELLY J. CAMPO3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $5K | $408 | $5K | 7.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | AFLAC | $4K | — | $4K | 5.74% |
| EDWARD F MROWKA JR3 Filed as: EDWARD F. MROWKA, JR. | 5106 TIMBER LINE SCHNECKSVILLE, PA 18078 | AFLAC | $1K | $82 | $1K | 1.82% |
| JACQUELINE EBERZ3 | 4949 LIBERTY LANE, SUITE 310 ALLENTOWN, PA 18106 | AFLAC | $697 | $82 | $779 | 1.13% |
| MG BERGER INC3 Filed as: MG BERGER, INC. | 1020 NORTH DELAWARE AVENUE, SUITE 4 PHILADELPHIA, PA 19125 | AFLAC | $322 | $82 | $404 | 0.59% |
| MJ INSURANCE3 Filed as: JOSE SCHIENEMAN AND VARIOUS AGENTS | 1020 NORTH DELAWARE AVENUE 4TH FLOOR PHILADELPHIA, PA 19125 | AFLAC | $342 | — | $342 | 0.50% |
| SVETLANA ZEITLIN3 | 105 ADDIS DRIVE CHURCHVILLE, PA 18966 | AFLAC | $275 | — | $275 | 0.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4 RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 525 LINCOLN WEST DRIVE, SUITE 410 MARLTON, NJ 08053 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 12.22% |
| BEN AWARE LLC3 Filed as: BEN AWARE, LLC | 811 BETHLEHEM PIKE GLENSIDE, PA 19038 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERIVCES, INC. | 2081 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4 RADNOR CORPORATE CENTER WAYNE, PA 19087 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $409 | $3 | $412 | 4.04% |
| PETRINA SKILES3 Filed as: PETRINA SKILES BENEFITS, INC. | 126 FOXSHIRE DRIVE, SUITE 1 LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $125 | $1 | $126 | 1.23% |
| ARCHER FINANCIAL INCORPORATED3 Filed as: ARCHER FINANCIAL, INC. | 4722 HAZEL AVENUE PHILADELPHIA, PA 19143 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.75% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | UNKNOWN DOWNINGTOWN, PA 19335 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.46% |
| LAWRENCE PRICHARD3 | 920 COLONIAL COURT COATSVILLE, PA 19320 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.38% |
| GARY D DAVIS3 Filed as: GARY D. DAVIS | 1 ARCTURUS DRIVE SEWELL, NJ 08080 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $9 | $18 | 0.18% |
| LORRAINE RHODES3 Filed as: LORRAINE RHODES AND AGENT | 1465 ROUTE 29 GALWAY, NY 12074 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4 RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | VISION BENEFITS OF AMERICA | $379 | — | $379 | 5.00% |
| UNKNOWN3 | UNKNOWN MEDIA, PA 19063 | COUNTRYWIDE PRE-PAID LEGAL SERVICES, INC. | $347 | — | $347 | 10.01% |
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 | 315 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 184 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $30K |
| Vision | VISION BENEFITS OF AMERICA | 148 | $8K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 178 | $45K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 178 | $30K |
| Prescription drug | AETNA HEALTH, INC. | 184 | $1.3M |
| Other(6 contracts, 6 carriers) | AFLAC | 315 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.