| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | FOUR RADNOR CORPORATE CENTER SUITE 501 RADNOR, PA 19087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $58K | — | $58K | 13.29% |
| SHELLY J. CAMPO3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $5K | $181 | $5K | 6.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | AFLAC | $3K | — | $3K | 4.61% |
| MJ INSURANCE3 Filed as: SVETLANA ZEITLIN AND VARIOUS AGENTS | 105 ADDIS DRIVE CHURCHVILLE, PA 18966 | AFLAC | $1K | $157 | $1K | 1.94% |
| EDWARD F MROWKA JR3 Filed as: EDWARD F. MROWKA, JR. | 5106 TIMBER LINE SCHNECKSVILLE, PA 18106 | AFLAC | $1K | $7 | $1K | 1.53% |
| BYSWR INSURANCE SERVICES, INC.3 Filed as: BYSWR INSURANCE SVS. INC. | 357 MAIN STREET SOUDERTON, PA 18964 | AFLAC | $776 | — | $776 | 1.13% |
| JACQUELINE EBERZ3 | 4949 LIBERTY LANE, SUITE 310 ALLENTOWN, PA 18106 | AFLAC | $588 | $7 | $595 | 0.86% |
| CALEB RUSSELL SMITH3 | 103 PINEHURST WAY GILBERTSVILLE, PA 19525 | AFLAC | $534 | $11 | $545 | 0.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4 RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 13.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 525 LINCOLN WEST DRIVE, SUITE 410 MARLTON, NJ 08053 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 29.60% |
| 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 | $845 | — | $845 | 6.44% |
| BEN AWARE LLC3 | 811 BETHLEHEM PIKE GLENSIDE, PA 19038 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $660 | — | $660 | 5.03% |
| UNKNOWN3 | UNKNOWN MEDIA, PA 19063 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $470 | — | $470 | 3.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD RADNOR, PA 19087 | VISION BENEFITS OF AMERICA | $375 | — | $375 | 5.00% |
| UNKNOWN3 | UNKNOWN MEDIA, PA 19063 | COUNTRYWIDE PRE-PAID LEGAL SERVICES, INC. | $268 | — | $268 | 6.87% |
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 | 315 | 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) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 149 | $436K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $14K |
| Vision | VISION BENEFITS OF AMERICA | 243 | $7K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 315 | $39K |
| Short-term disability | AFLAC | 89 | $69K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 315 | $26K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 149 | $436K |
| Other(5 contracts, 5 carriers) | AFLAC | 315 | $118K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.