| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN MEDIA, PA 19063 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $57K | $2K | $59K | 10.41% |
| SHELLY J. CAMPO3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $5K | $89 | $5K | 5.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $4K | $0 | $4K | 4.55% |
| MJ INSURANCE3 Filed as: JACQUELINE EBERZ AND VARIOUS AGENTS | 98 LAMP POST ROAD NEW BRITAIN, PA 18901 | AFLAC | $3K | $0 | $3K | 3.01% |
| CALEB RUSSELL SMITH3 | 103 PINEHURST WAY GILBERTSVILLE, PA 19525 | AFLAC | $900 | $9 | $909 | 1.06% |
| EDWARD F MROWKA JR3 Filed as: EDWARD F. MROWKA, JR. | 5106 TIMBER LANE SCHNECKSVILLE, PA 18078 | AFLAC | $776 | $5 | $781 | 0.91% |
| BYSWR INSURANCE SERVICES, INC.3 | 357 MAIN STREET SOUDERTON, PA 18964 | AFLAC | $749 | $0 | $749 | 0.87% |
| BRIAN JOSEPH CAMPO3 | 1726 BECKER ROAD GREEN LANE, PA 18054 | AFLAC | $567 | $5 | $572 | 0.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | FOUR RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 18.85% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN., INC. | 777 BALTIMORE STREET, SUITE 97 GETTYSBURG, MA 17325 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $527 | $0 | $527 | 4.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2081 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $386 | $0 | $386 | 2.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD RADNOR, PA 19087 | VISION BENEFITS OF AMERICA | $375 | $0 | $375 | 5.00% |
| UNKNOWN3 | UNKNOWN MEDIA, PA 19063 | COUNTRYWIDE PRE-PAID LEGAL SERVICES, INC. | $395 | $0 | $395 | 10.00% |
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 | 165 | $568K |
| Vision | VISION BENEFITS OF AMERICA | 150 | $7K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 315 | $39K |
| Short-term disability | AFLAC | 90 | $86K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 315 | $26K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $568K |
| Other(5 contracts, 5 carriers) | AFLAC | 315 | $130K |
| 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.