| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD, SUITE 100 RADNOR, PA 19087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $62K | $0 | $62K | 7.61% |
| SJC BUSINESS SERVICES LLC3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $4K | $20 | $4K | 5.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $3K | $0 | $3K | 3.23% |
| MJ INSURANCE3 Filed as: MATTHEW HANLON AND VARIOUS AGENTS | 101 WEST ELM STREET, SUITE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $2K | $5 | $2K | 2.01% |
| EDWARD F MROWKA JR3 Filed as: EDWARD F. MROWKA JR. | 5106 TIMBER LANE SCHNECKSVILLE, PA 18078 | AFLAC | $687 | $0 | $687 | 0.88% |
| JACQUELINE EBERZ3 Filed as: JACQUELINE M. EBERZ | 98 LAMP POST ROAD NEW BRITAIN, PA 18901 | AFLAC | $370 | $0 | $370 | 0.48% |
| BRIAN JOSEPH CAMPO3 | 1726 BECKER ROAD GREEN LANE, PA 18054 | AFLAC | $368 | $0 | $368 | 0.47% |
| CALEB RUSSELL SMITH3 | 202 GREEN HILL ROAD BARTO, PA 19504 | AFLAC | $326 | $0 | $326 | 0.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD BUILDING 3, SUITE 100 RADNOR, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $301 | $2K | 15.45% |
| ADVANCED BENEFITS COMMUNICATIONS3 Filed as: ADVANCED BENEFIT COMMUNICATION LLC | ONE BELMONT AVENUE, SUITE 304 BALA CYNWYD, PA 19004 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 17.46% |
| AHA FINANCIAL SOLUTIONS, INC.3 Filed as: AHA FINANCIAL SOLUTIONS | 155 NORTH WACKER DRIVE, SUITE 400 CHICAGO, IL 60606 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $12 | $0 | $12 | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD, SUITE 100 RADNOR, PA 19087 | VISION BENEFITS OF AMERICA | $488 | $0 | $488 | 5.00% |
| UNKNOWN3 | UNKNOWN MEDIA, PA 19063 | COUNTRYWIDE ENTERPRISES, INC. | $186 | $0 | $186 | 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 | 330 | 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) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 162 | $821K |
| Vision | VISION BENEFITS OF AMERICA | 153 | $10K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 196 | $26K |
| Short-term disability | AFLAC | 71 | $78K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 196 | $13K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 162 | $821K |
| Other(5 contracts, 5 carriers) | AFLAC | 330 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.