| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | EXCELLUS BLUE CROSS BLUE SHIELD | $67K | $0 | $67K | 5.43% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD SUITE 500 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $29K | $29K | 2.42% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK RD SUITE 500 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $9K | $9K | 0.74% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF PENNSYLVANIA | $47K | $0 | $47K | 6.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - | ASSURANCE 20 N MARTINGALE RD SCHAUMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $51K | $0 | $51K | 11.66% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $50K | $18K | $68K | 16.73% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $14K | $30K | 9.42% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $7K | $16K | 8.51% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - | ASSURANCE 20 N MARTINGALE RD SCHAUMBURG, IL 60173 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $3K | $10K | 16.44% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 8.00% |
| SEE ATTACHED3 | — | AFLAC -CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 10.64% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC | PO BOX 1060 GETTYSBURG, PA 17325 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $471 | $0 | $471 | 3.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $245 | $0 | $245 | 1.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $90 | $90 | 0.67% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $810 | $0 | $810 | 10.07% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | COUNTRYWIDE PRE-PAID LEGAL | $379 | $0 | $379 | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $259 | $0 | $259 | 10.00% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC | PO BOX 1060 GETTYSBURG, PA 17325 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | $0 | $30 | 2.73% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | COUNTRYWIDE PRE-PAID LEGAL | $66 | $0 | $66 | 10.05% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $55 | $55 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE BLUE CROSS EIN 23-2184623 NONE | Other fees; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $293K |
| MERITAIN HEALTH EIN 61-1264154 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Insurance brokerage commissions and fees Service code 12 | — | $148K |
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 NONE | Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees Service code 12 | — | $118K |
| CURALINC, LLC EIN 33-1206383 NONE | Other fees; Other services Service code 49 | — | $24K |
| AMERIFLEX EIN 27-2256926 NONE | Other fees; Claims processing Service code 12 | — | $21K |
| HEALTH ADVOCATE SOLUTIONS, INC EIN 23-3080019 NONE | Other services; Claims processing; Other fees Service code 12 | — | $17K |
| FURTHER NONE | Claims processing; Other fees Service code 12 | 3535 BLUE CROSS ROAD EAGAN, MN 55122 | $2K |
| WEX INC EIN 01-0526993 NONE | Claims processing; Other fees Service code 12 | — | $540 |
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 | 2,115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 110 | $2.9M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,107 | $728K |
| Vision | VISION SERVICE PLAN | 830 | $99K |
| Life insurance(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,399 | $513K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 420 | $274K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,389 | $414K |
| Prescription drug(3 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 110 | $2.9M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 413 | $1.9M |
| Other(13 contracts, 6 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,402 | $362K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,402 | — |
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.