| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $55K | $55K | 8.03% |
| ALAN KIFFERSTEIN3 Filed as: ALAN C KIFFERSTEIN | 570 LEXINGTON AVE STE 1600 NEW YORK, NY 10022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | — | $27K | 4.00% |
| FABRICANT & FABRICANT3 Filed as: FABRICANT & FABRICANT INC. | 1251 OLD NORTHERN BLVD. ROSLYN, NY 11576 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | — | $27K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH INC. EIN 16-1264154 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.9M |
| GLOBAL PHARMACEUTICAL BENEFITS LLC EIN 27-3340151 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $614K |
| BASYS, INC. EIN 52-1796473 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $330K |
| SEI INVESTMENTS EIN 23-1707341 NONE | Investment management fees paid indirectly by plan; Investment management; Investment management fees paid directly by plan Service code 28 | — | $207K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $172K |
| WILLIG, WILLIAMS & DAVIDSON EIN 23-2416488 NONE | Legal; Direct payment from the plan Service code 29 | — | $146K |
| JOSEPH SAMOLEWICZ EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $143K |
| CHERIE FREEMAN EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $142K |
| EDWARD A REIDER INC. EIN 23-1265199 NONE | Other services; Direct payment from the plan Service code 49 | — | $140K |
| DAPHNE ROSSI EIN 23-6262789 EMPLOYEE | Direct payment from the plan Service code 50 | — | $131K |
| JENNA SMITH EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $127K |
| TRICIA MOODY EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $127K |
| BELINDA STOUDT EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $123K |
| KIM FISCHER EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $119K |
| CHRISTINA RIVERA EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $118K |
| KELLY LEONE EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $118K |
| STACIE WEBER EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $117K |
| STEVENS & LEE PC EIN 23-1886296 NONE | Legal; Direct payment from the plan Service code 29 | — | $115K |
| CHARLOTTE HOUSER EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $113K |
| APRIL MAISONET EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $113K |
| MARCIA MOYER EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $113K |
| KRISTINE BROWN EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $113K |
| MARTIN CULLEN EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $110K |
| MONICA HASSLER EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $110K |
| DOROTHY FAIR EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $109K |
| MICHELLE BICKHAM EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $109K |
| KASEY MOYER EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $108K |
| MORGAN, LEWIS & BOCKIUS, LLP EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | — | $107K |
| JAMES STRICKER EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $106K |
| FOSTER & FOSTER/BEYER-BARBER CO. EIN 23-2503024 NONE | Consulting (general); Actuarial; Direct payment from the plan Service code 11 | — | $97K |
| KEVIN MCTISH EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $96K |
| JESSICA SAUL EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $91K |
| WEIDENHAMMER SYSTEMS CORP EIN 23-2054990 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $86K |
| RUSTY KEMP EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $82K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $78K |
| ROBERT GENSLINGER EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $78K |
| WALTER SCOTT & PARTNERS LTD EIN 98-0465834 NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $78K |
| PAGODA ELECTRICAL INC. EIN 23-2790850 NONE | Other services; Direct payment from the plan Service code 49 | — | $78K |
| CHERYL BURKE EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $75K |
| LORI KEMMERER EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $71K |
| JUDITH STRICKER EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $70K |
| PETER SHIFFER EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $69K |
| DEBRA PFENNIG EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $63K |
| CVS CAREMARK EIN 05-0494040 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $62K |
| LISA MARDERNESS EIN 23-6262789 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $62K |
| RICHARD PASTUSZEK EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $60K |
| KELLY SNYDER EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $55K |
| CAROL WELLER EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $55K |
| LISA CYLCEWSKI EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $53K |
| JILL SCHMALE EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $51K |
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 | 5,301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 728 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,029 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,950 | $684K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,950 | $684K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,950 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.