| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | KEYSTONE | $86K | $0 | $86K | 4.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | DEARBORN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 11.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DEARBORN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | DELTA DENTAL OF PENNSYLVANIA | $5K | $0 | $5K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $687 | $0 | $687 | 5.93% |
| SVETLANA ZEITLIN3 | 105 ADDIS DRIVE CHURCHVILLE, PA 18966 | AFLAC | $592 | $40 | $632 | 5.46% |
| LAUNCHPAD BENEFITS SOLUTIONS LLC3 Filed as: LAUNCHPAD BENEFITS SOLUTIONS, LLC | 529 FAYETTE STREET, SUITE 202 CONSHOHOCKEN, PA 19428 | AFLAC | $98 | $9 | $107 | 0.92% |
| RUSSELL L. DAYVAULT3 | 2777 MEADOWVIEW COURT TARPON SPRINGS, FL 34688 | AFLAC | $95 | $0 | $95 | 0.82% |
| JOSE A SCHIENEMAN3 | 1881 SOUTH CARRIAGE LANE CHANDLER, AZ 85286 | AFLAC | $55 | $0 | $55 | 0.48% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW J. JUNIKIEWICZ JR. | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $30 | $0 | $30 | 0.26% |
| BERNARD LYNN DAYVAULT3 | 630 FORDHAM ROAD BALA CYNWYD, PA 19004 | AFLAC | $19 | $0 | $19 | 0.16% |
| DAVID A. BAZEMORE4 | 750 EAST MARSHALL STREET APARTMENT 414 WEST CHESTER, PA 19380 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $21 | — | $21 | 16.41% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KEYSTONE | 231 | $2.0M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 171 | $94K |
| Vision | KEYSTONE | 231 | $2.0M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 222 | $113K |
| Short-term disability | AFLAC | 9 | $12K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 222 | $113K |
| Prescription drug | KEYSTONE | 231 | $2.0M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 222 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.