| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AETNA LIFE INSURANCE COMPANY | $38K | $7K | $46K | 8.14% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $30K | — | $30K | 5.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN FIDELITY ASSURANCE COMPANY | $25K | — | $25K | 4.52% |
| PENNSYLVANIA AUTO ASSOC INS AGY INC3 | 1925 NORTH FRONT STREET HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE COMPANY | $11K | $3K | $14K | 2.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4000 MIDLANTIC DRIVE SUITE 300 MOUNT LAUREL, NJ 08054 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | — | $5K | 0.85% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | 700 W 47TH STREET SUITE 1100 KANSAS CITY, KS 64112 | AMERICAN FIDELITY ASSURANCE COMPANY | $259 | — | $259 | 0.05% |
| KHULLAR, RAJESH3 | 252 W SWAMP RD SUITE 28 DOYLESTOWN, PA 18901 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 6.90% |
| BENEFIT ADVISORY PARTNERS LLC3 | 8214 FAIRVIEW ROAD ELKINS PARK, PA 19342 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 4.19% |
| ZACK, JEFFREY A3 | 107 GRISTMILL LANE ROYERSFORD, PA 19468 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 2.31% |
| BRISTOL ROBERT3 Filed as: BRISTOL, ROBERT | 1535 MEADOW LANE GLEN MILLS, PA 19342 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 1.94% |
| SCHWARTZ, JON R3 | 93 OLD YORK ROAD SUITE 1-470 JENKINTOWN, PA 19046 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 1.80% |
| PORTNER, ROY B3 | 631 FORREST AVE JENKINTOWN, PA 19046 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.80% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA CRUZ, CHARLOTTE R | 718 DUNBAR AVE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.68% |
| CROSS KEYS INS ASSOC INC3 | 3960 AIRPORT BLVD DOYLESTOWN, PA 18902 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.45% |
| HIPPS CRYSTAL3 Filed as: HIPPS, CRYSTAL | 534 BETTY LANE COLUMBIA, PA 17512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $801 | — | $801 | 0.33% |
| HOLLINGER, KENT H3 | 1544 ROSE VIRGINIA ROAD WYOMISSING, PA 19610 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $489 | — | $489 | 0.20% |
| TROCKI GEORGE3 Filed as: TROCKI, GEORGE | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $391 | — | $391 | 0.16% |
| MCCOOL, JOHN CHARLES3 | 7451 IRVING AVE PENNSUAKEN, NJ 08109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $352 | — | $352 | 0.15% |
| SCHUCK, BRENDAN3 | 301 OXFORD VALLEY RD SUITE 1504 YARDLEY, PA 19067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $134 | — | $134 | 0.06% |
| SIMS, RANDALL3 | 138 DERR DRIVE COLLEGEVILLE, PA 19426 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | — | $48 | 0.02% |
| KAHMER, RICHARD3 | 644 CHESTER PIKE RIDLEY PARK, PA 19078 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | VISION BENEFITS OF AMERICA | $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 | 1,242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 1,325 | $559K |
| Vision | VISION BENEFITS OF AMERICA | 683 | $42K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 1,325 | $559K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 1,080 | $542K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 1,080 | $542K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,325 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,325 | — |
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.