| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1205 WESTLAKES DRIVE BERWYN, PA 19312 | KEYSTONE | $113K | $3K | $116K | 4.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | DEARBORN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 10.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DEARBORN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | DELTA DENTAL OF PENNSYLVANIA | $5K | $0 | $5K | 4.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $2K | $0 | $2K | 13.45% |
| DARLENE S DILLON3 Filed as: DARLENE DILLON | 120 WOODSIDE ROAD LEXINGTON, SC 29072 | AFLAC | $581 | $0 | $581 | 4.46% |
| BONNIE J BORDEN3 Filed as: BONNIE BORDEN | 55 EAST END AVENUE CARNEYS POINT, NJ 08069 | AFLAC | $395 | $0 | $395 | 3.03% |
| SAMUEL ZEITLIN3 | 105 ADDIS DRIVE CHURCHVILLE, PA 18966 | AFLAC | $299 | $0 | $299 | 2.30% |
| SVETLANA ZEITLIN3 | 105 ADDIS DRIVE CHURCHVILLE, PA 18966 | AFLAC | $273 | $0 | $273 | 2.10% |
| LAUNCHPAD BENEFITS SOLUTIONS LLC3 Filed as: LAUNCHPAD BENEFITS SOLUTIONS, LLC | 529 FAYETTE STREET, SUITE 202 CONSHOHOCKEN, PA 19428 | AFLAC | $200 | $0 | $200 | 1.54% |
| RUSSELL L. DAYVAULT3 Filed as: RUSSELL DAYVAULT AND OTHER AGENTS | 2777 MEADOWVIEW COURT TARPON SPRINGS, FL 34688 | AFLAC | $116 | $0 | $116 | 0.89% |
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 | 279 | 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) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KEYSTONE | 270 | $2.5M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 218 | $116K |
| Vision | KEYSTONE | 270 | $2.5M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 279 | $151K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 279 | $164K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 279 | $151K |
| Prescription drug | KEYSTONE | 270 | $2.5M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 583 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 583 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.