| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 100 MATSONFORD RD RADNOR, PA 19087 | KEYSTONE HEALTH PLAN EAST | — | $222K | $222K | 3.02% |
| JOSEPH BAILEY DUCKETT3 Filed as: JOSEPH DELLISANTI | 1060 LASKIN ROAD STE. 12B VIRGINIA BEACH, VA 23451 | HARTFORD LIFE AND ACCIDENT | $63K | — | $63K | 5.00% |
| JOSEPH BAILEY DUCKETT3 Filed as: JOSEPH DELLISANTI | 1060 LASKIN ROAD, SUITE 12B VIRGINIA BEACH, VA 23451 | DELTA DENTAL OF PENNSYLVANIA | $20K | — | $20K | 3.00% |
| JOSEPH BAILEY DUCKETT3 Filed as: JOSEPH DELLISANTI | 1060 LASKIN ROAD STE 12B VIRGINIA BEACH, VA 23451 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $26K | — | $26K | 4.04% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 5200 N PALM AVE #114 FRESNO, CA 93704 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $8K | $8K | 1.20% |
| JOSEPH BAILEY DUCKETT3 Filed as: JOSEPH DELLISANTI | 1060 LASKIN ROAD STE 12B VIRGINIA BEACH, VA 23451 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $22K | — | $22K | 22.17% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 5200 N PALM AVE #114 FRESNO, CA 93704 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $6K | $6K | 5.92% |
| JOSEPH BAILEY DUCKETT3 Filed as: JOSEPH DELLISANTI | 1060 LASKIN ROAD STE. 12B VIRGINIA BEACH, VA 23451 | VISION SERVICE PLAN | $2K | — | $2K | 2.53% |
| JOSEPH BAILEY DUCKETT3 Filed as: JOSEPH DELLISANTI | 1060 LASKIN ROAD SUITE 12B VIRGINIA BEACH, VA 23451 | DELTA DENTAL OF PENNSYLVANIA | $4K | — | $4K | 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 | 1,452 | 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) | 1,452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KEYSTONE HEALTH PLAN EAST | 1,273 | $12.3M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 2,055 | $1.4M |
| Vision(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 947 | $726K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,396 | $1.3M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,396 | $1.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,396 | $1.3M |
| Prescription drug | INDEPENDENCE BLUE CROSS | 624 | $3.3M |
| Other | HARTFORD LIFE AND ACCIDENT | 1,396 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,055 | — |
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.