| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVINIA INC | 100 MATSONFORD RD FIVE RADNOR CORP CTR RADNOR, PA 19087 | KEYSTONE HEALTH PLAN EAST | $159K | — | $159K | 2.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC | 100 MATSONFORD RD FIVE RADNOR CORP CTR RADNOR, PA 19087 | INDEPENDENCE BLUE CROSS | $66K | — | $66K | 2.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 100 MATSONFORD RD FIVE RADNOR CORP CTR RADNOR, PA 19087 | AMERIHEALTH HMO, INC. | $10K | $234K | $245K | 38.40% |
| JOSEPH BAILEY DUCKETT3 Filed as: JOSEPH DELLISANTI | 1060 LASKIN ROAD SUITE 138 VIRGINIA BEACH, VA 23451 | DELTA DENTAL OF PENNSYLVANIA | $16K | — | $16K | 3.54% |
| JOEY DELLISANTI3 | 1060 LASKIN ROAD STE. 138 VIRGINIA BEACH, VA 23451 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 7.00% |
| MGIS5 | 10 WEST BROADWAY SUITE 800 SALT LAKE CITY, UT 84101 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $120 | $120 | 0.03% |
| JOEY DELLISANTI3 | 1060 LASKIN ROAD STE. 12B VIRGINIA BEACH, VA 23451 | VISION SERVICE PLAN | $2K | — | $2K | 3.65% |
| JOSEPH BAILEY DUCKETT3 Filed as: JOSEPH DELLISANTI | 1060 LASKIN ROAD SUITE 138 VIRGINIA BEACH, VA 23451 | DELTA DENTAL OF PENNSYLVANIA | $2K | — | $2K | 5.00% |
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 | 841 | 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) | 841 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KEYSTONE HEALTH PLAN EAST | 872 | $8.4M |
| Dental(2 contracts) | DELTA DENTAL OF PENNSYLVANIA | 1,324 | $479K |
| Vision | VISION SERVICE PLAN | 525 | $52K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 841 | $392K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 841 | $392K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 841 | $392K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 439 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,324 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.