| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4 RADNOR CORP. CENTER, SUITE 510 RADNOR, PA 19087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $53K | $0 | $53K | 8.74% |
| SJC BUSINESS SERVICES LLC3 Filed as: SJC BUSINESS SERVICES, LLC | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $5K | $233 | $5K | 5.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $5K | $0 | $5K | 5.40% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW JUNIKIEWICZ AND OTHER AGENTS | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $2K | $236 | $2K | 2.43% |
| EDWARD F MROWKA JR3 Filed as: EDWARD F. MROWKA JR. | 5106 TIMBER LANE SCHNECKSVILLE, PA 18078 | AFLAC | $768 | $0 | $768 | 0.90% |
| RYAN HOCKER3 | 202 SANDY FLASH DRIVE KENNETT SQUARE, PA 19348 | AFLAC | $463 | $69 | $532 | 0.62% |
| CALEB RUSSELL SMITH3 | 103 PINEHURST WAY GILBERTSVILLE, PA 19525 | AFLAC | $412 | $26 | $438 | 0.51% |
| JACQUELINE EBERZ3 Filed as: JACQUELINE M. EBERZ | 98 LAMP POST ROAD NEW BRITTAIN, PA 18901 | AFLAC | $407 | $0 | $407 | 0.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4 RADNOR CORP. CENTER, SUITE 510 RADNOR, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $353 | $5K | 13.79% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN, INC. | 777 BALTIMORE STREET, SUITE 97 GETTYSBURG, PA 17325 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $369 | $0 | $369 | 4.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2081 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $246 | $0 | $246 | 2.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD RADNOR, PA 19087 | VISION BENEFITS OF AMERICA | $406 | $0 | $406 | 5.00% |
| UNKNOWN3 | UNKNOWN MEDIA, PA 19063 | COUNTRYWIDE PRE-PAID LEGAL SERVICES, INC. | $262 | $0 | $262 | 8.63% |
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 | 144 | $604K |
| Vision | VISION BENEFITS OF AMERICA | 140 | $8K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $44K |
| Short-term disability | AFLAC | 86 | $86K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $35K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 144 | $604K |
| Other(5 contracts, 5 carriers) | AFLAC | 315 | $139K |
| 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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.