| 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 | $29K | $0 | $29K | 3.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | FOUR RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $56K | $13K | $69K | 10.16% |
| UNKNOWN3 | UNKNOWN KENNETT SQUARE, PA 19348 | HEALTH NEW ENGLAND, INC. | $5K | $0 | $5K | 2.23% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $4K | $20K | 20.08% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOC. INS. GROUP, INC. | ONE KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 4.53% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY, SUITE 230 MARBLEHEAD, MA 01945 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.65% |
| ASSUREDPARTNERS3 | 3900 KINROSS LAKES PARKWAY RICHFIELD, OH 44286 | DELTA DENTAL OF OHIO | $4K | $0 | $4K | 6.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD RADNOR, PA 19087 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.77% |
| ASSUREDPARTNERS3 | 3900 KINROSS PARKWAY, SUITE 300 RICHFIELD, OH 44286 | NATIONAL VISION ADMINISTRATORS, LLC | $541 | $0 | $541 | 5.00% |
| UNKNOWN3 | UNKNOWN KENNETT SQUARE, PA 19348 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $450 | $0 | $450 | 5.00% |
| BELMONT ASSOCIATES CONSULTANTS3 | FOUR RANDOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $913 | $0 | $913 | 10.37% |
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 | 1,791 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,797 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND, INC. | 17 | $219K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 1,972 | $804K |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 276 | $61K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,791 | $774K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,791 | $774K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,791 | $774K |
| Prescription drug | HEALTH NEW ENGLAND, INC. | 17 | $219K |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,791 | $803K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,972 | — |
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.