| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 350 MOUNT LAUREL, NJ 08054 | INDEPENDENCE BLUE CROSS - KEYSTONE | $52K | — | $52K | 3.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 350 MOUNT LAUREL, NJ 08054 | INDEPENDENCE BLUE CROSS- PERSONAL CHOICE | $45K | — | $45K | 3.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $5K | $23K | 8.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $172 | $3K | 1.22% |
| HARRIS KIVITZ3 | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | METROPOLITAN LIFE INSURANCE COMPANY | $719 | — | $719 | 0.27% |
| JOSEPH G. PULITANO INSURANCE AGENCY3 Filed as: JOSEPH G. PULITANO INS. AGENCY | 313 WASHINGTON STREET, SUITE 225 NEWTON, MA 02458 | METROPOLITAN LIFE INSURANCE COMPANY | $479 | — | $479 | 0.18% |
| WILLIAM J. SCANLON3 | 132 KINGS HIGHWAY EAST, SUITE 105 HADDONFIELD, NJ 08033 | METROPOLITAN LIFE INSURANCE COMPANY | $358 | — | $358 | 0.13% |
| RAYMOND MANG3 | 5894 WINTERBERRY PLACE ALLENTOWN, PA 18104 | METROPOLITAN LIFE INSURANCE COMPANY | $212 | — | $212 | 0.08% |
| TALONE INSURANCE, INC.3 | 3953 RIDGE PIKE, SUITE 201 COLLEGEVILLE, PA 19426 | METROPOLITAN LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 FELLOWSHIP ROAD, SUITE 201 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $14K | $8K | $22K | 10.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 350 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 350 MOUNT LAUREL, NJ 08054 | AMERIHEALTH HMO, INC. | $118 | — | $118 | 2.93% |
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 | 492 | 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) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE | 320 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 771 | $269K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 771 | $269K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 492 | $204K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 492 | $204K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 492 | $204K |
| Prescription drug(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE | 320 | $2.9M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 771 | $481K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 771 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.