| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $87K | $87K | 3.36% |
| SJC BUSINESS SERVICES LLC3 Filed as: SJC BUSINESS SERVICES, LLC | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $6K | $238 | $6K | 5.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $6K | $0 | $6K | 5.12% |
| BRIAN JOSEPH CAMPO3 Filed as: BRIAN CAMPO | 1726 BECKER ROAD GREEN LANE, PA 18054 | AFLAC | $3K | $229 | $3K | 2.52% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH MCGINTY JR. | 2202 CROSS CREEK ROAD MACUNGIE, PA 18062 | AFLAC | $2K | $90 | $2K | 1.92% |
| JACQUELINE EBERZ3 Filed as: JACQUELINE EBERZ AND OTHER AGENTS | 98 LAMP POST ROAD NEW BRITAIN, PA 18901 | AFLAC | $2K | $57 | $2K | 1.70% |
| JUSTIN P ABRAHAM3 Filed as: JUSTIN ABRAHAM | 3841 HIGHPOINT DRIVE ALLENTOWN, PA 18103 | AFLAC | $1K | $90 | $1K | 1.34% |
| EDWAR MROWKA JR.3 | 5106 TIMBER LANE SCHNECKSVILLE, PA 18078 | AFLAC | $603 | $0 | $603 | 0.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD BUILDING 3, SUITE 100 RADNOR, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 11.19% |
| ADVANCED BENEFITS COMMUNICATIONS3 Filed as: ADVANCED BEN COMMUNICATION, LLC | ONE BELMONT AVENUE, SUITE 304 BALA CYNWYD, PA 19004 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 23.22% |
| AHA FINANCIAL SOLUTIONS, INC.3 | 155 NORTH WACKER DRIVE, SUITE 400 CHICAGO, IL 60606 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD RADNOR, PA 19087 | VISION BENEFITS OF AMERICA | $469 | $0 | $469 | 5.00% |
| UNKNOWN3 | UNKNOWN MEDIA, PA 19063 | COUNTRYWIDE ENTERPRISES, INC. | $54 | $0 | $54 | 10.02% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 164 | $2.6M |
| Vision | VISION BENEFITS OF AMERICA | 151 | $9K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 330 | $68K |
| Short-term disability | AFLAC | 95 | $109K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 330 | $48K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 164 | $2.6M |
| Other(5 contracts, 5 carriers) | AFLAC | 330 | $183K |
| 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."
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.