| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | FOUR RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | DELTA DENTAL OF PENNSYLVANIA | $52K | — | $52K | 6.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | FOUR RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $48K | $6K | $54K | 8.88% |
| UNKNOWN3 | UNKNOWN KENNETT SQUARE, PA 19348 | HEALTH NEW ENGLAND, INC. | $7K | — | $7K | 2.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE, SUITE 500 BETHESDA, MD 20817 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 14.41% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL, INC | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.48% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO, LLC | 1340 DEPOT STREET ROCKY RIVER, OH 44116 | DELTA DENTAL OF OHIO | $4K | — | $4K | 6.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD RADNOR, PA 19087 | VISION SERVICE PLAN | $696 | — | $696 | 3.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO, LLC | 1340 DEPOT STREET ROCKY RIVER, OH 44116 | HEARTLAND | $536 | — | $536 | 5.00% |
| BELMONT ASSOCIATES CONSULTANTS3 | FOUR RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $129 | $129 | 1.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | FOUR RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $316 | $21 | $337 | 16.00% |
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 | 2,248 | 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) | 2,248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND, INC. | 21 | $261K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 2,000 | $862K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 192 | $34K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,343 | $675K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,343 | $675K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,343 | $675K |
| Prescription drug | HEALTH NEW ENGLAND, INC. | 21 | $261K |
| Other(10 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,343 | $717K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,000 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.