| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | FOUR RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $50K | $9K | $59K | 9.41% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, 5TH FLOOR HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | — | $16K | 15.40% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOC. INS. GROUP INC. | ONE KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO | 1340 DEPOT STREET ROCKY RIVER, OH 44116 | DELTA DENTAL OF OHIO | $4K | — | $4K | 5.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD RADNOR, PA 19087 | VISION SERVICE PLAN | $1K | — | $1K | 3.00% |
| BELMONT ASSOCIATES CONSULTANTS3 | FOUR RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $959 | — | $959 | 10.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4 | $4 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | FOUR RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $316 | $32 | $348 | 16.52% |
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 | 1,719 | 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) | 1,719 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND, INC. | 21 | $231K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 2,117 | $815K |
| Vision | VISION SERVICE PLAN | 260 | $35K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,205 | $732K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,205 | $732K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,205 | $732K |
| Prescription drug | HEALTH NEW ENGLAND, INC. | 21 | $231K |
| Other(10 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,205 | $778K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,117 | — |
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."
No prospect flags tripped on this filing.