| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD FOUR RADNOR CORP. CENTER, SUITE 510 RADNOR, PA 19087 | KEYSTONE | $73K | $0 | $73K | 4.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | DELTA DENTAL OF PENNSYLVANIA | $5K | $0 | $5K | 5.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 16.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $1K | $0 | $1K | 11.54% |
| RUSSELL L. DAYVAULT3 | 630 FORDHAM ROAD BALA CYNWYD, PA 19004 | AFLAC | $446 | $255 | $701 | 5.63% |
| SVETLANA ZEITLIN3 | 105 ADDIS DRIVE CHURCHVILLE, PA 18966 | AFLAC | $507 | $93 | $600 | 4.82% |
| FRANK CRANDELL3 Filed as: FRANK GANTHER | 919 CHATFIELD ROAD WARRINGTON, PA 18976 | AFLAC | $293 | $0 | $293 | 2.35% |
| MJ INSURANCE3 Filed as: BERNARD DAYVAULT AND VARIOUS AGENTS | 630 FORDHAM ROAD BALA CYNWYD, PA 19004 | AFLAC | $180 | $104 | $284 | 2.28% |
| RUSSELL L. DAYVAULT3 | 2777 MEADOWVIEW COURT TARPON SPRINGS, FL 34688 | AFLAC | $266 | $0 | $266 | 2.14% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW J. JUNIKIEWICZ, JR. | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $212 | $39 | $251 | 2.02% |
| JANE D. WAGNER4 | 990 HERSHEY MILL ROAD MALVERN, PA 19355 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $25 | $0 | $25 | 4.24% |
| BART RATLIFF LLC4 | 8665 WEST FLAMINGO, SUITE 131-313 LAS VEGAS, NV 89147 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $23 | $0 | $23 | 3.90% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KEYSTONE | 230 | $1.7M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 279 | $96K |
| Vision | KEYSTONE | 230 | $1.7M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 187 | $39K |
| Short-term disability | AFLAC | 17 | $12K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 187 | $39K |
| Prescription drug | KEYSTONE | 230 | $1.7M |
| Other(3 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 187 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.