| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN AGEN | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AETNA LIFE INSURANCE COMPANY | $57K | $29K | $86K | 5.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE COMPANY | $32K | $7K | $39K | 2.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $40K | $90K | $130K | 9.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 0.86% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53K | — | $53K | 8.25% |
| RYAN K GOLDBERG3 | 130-107 CHURCH ST. #3 PHILADELPHIA, PA 19106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43K | — | $43K | 6.70% |
| ANTHONY S ALMODOVAR3 | 2405 PARK DRIVE SUITE 101 HARRISBURG, PA 17110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | — | $16K | 2.47% |
| MARTIN E BYSTROM3 | 333 OVERLOOK LANE GULPH MILLS, PA 19428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 1.35% |
| JOSEPH B MCGINTY JR3 | 520 W FOURTH ST WILLIAMSPORT, PA 17701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 1.35% |
| DAVID SPENCER3 | 2405 PARK DRIVE STE 101 HARRISBURG, PA 17110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 1.35% |
| DAVID C WILSON3 | 460 N CLAUDE A LORD BLVD POTTSVILE, PA 17901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 1.35% |
| ADAM DANIEL LEVINE3 Filed as: ADAM D LEVINE | 200 BUTLER AVE SUITE 200 LANCASTER, PA 17601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 1.35% |
| WENDY E HOOK3 | 5 GREAT VALLEY PKWY STE 100 MALVERO, PA 19355 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 1.23% |
| JACQUELINE M EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 1.23% |
| JEFFREY CHUBB3 Filed as: JEFFREY C CHUBB | 725 LINCOLN AVENUE WILLIAMSPORT, PA 17701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 1.23% |
| ANGELA MASSARELLI3 | 432 TUVIRA LANE CHERRY HILL, NJ 08003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.29% |
| DARREN D RIDDLE3 | 7850 AVONDALE TERRACE HARRISBURG, PA 17112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.29% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $616 | — | $616 | 0.10% |
| MF IRVINE COMPANIES LLC3 Filed as: M F IRVINE | 21 EAST 5TH AVE STE 204 CONSHOHOCKEN, PA 19428 | ACE AMERICAN INSURANCE COMPANY | $38K | — | $38K | 20.00% |
| MF IRVINE COMPANIES LLC3 Filed as: MF IRVINE | 21 EAST 5TH AVENUE SUITE 204 CONSHOHOCKEN, PA 19428 | ACE AMERICAN INSURANCE COMPANY | $21K | — | $21K | 13.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 1500 MARKET STREET CENTRE SQUARE EAST 25TH FLOOR PHILADELPHIA, PA 19102 | ACE AMERICAN INSURANCE COMPANY | $8K | — | $8K | 4.98% |
| MF IRVINE COMPANIES LLC3 Filed as: M F IRVINE | 21 EAST 5TH AVENUE, STE 204 CONSHOHOCKEN, PA 19428 | ACE AMERICAN INSURANCE COMPANY | $7K | — | $7K | 13.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 1500 MARKET STREET CENTRE SQUARE EAST 25TH FLOOR PHILADELPHIA, PA 19102 | ACE AMERICAN INSURANCE COMPANY | $3K | — | $3K | 5.06% |
| MF IRVINE COMPANIES LLC3 | 21 E 5TH AVE STE 204 CONSHOHOCKEN, PA 194281788 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $9K | $30K | — |
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 | 8,965 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 194 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF HAWAII | 67 | $265K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Vision(2 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 10,743 | $691K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 8,819 | $1.3M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 4,157 | $1.6M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 4,157 | $1.6M |
| Other(4 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 11,218 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,218 | — |
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.