| 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 | — | $56K | $56K | 9.38% |
| ALAN KIFFERSTEIN3 Filed as: ALAN C KIFFERSTEIN | 570 LEXINGTON AVE STE 1600 NEW YORK, NY 10022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | — | $24K | 4.00% |
| FABRICANT & FABRICANT3 Filed as: FABRICANT & FABRICANT INC. | 1251 OLD NORTHERN BLVD. ROSLYN, NY 11576 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | — | $24K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH INC. EIN 16-1264154 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $2.1M |
| GLOBAL PHARMACEUTICAL BENEFITS LLC EIN 27-3340151 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $2.0M |
| BRIDGEWAY BENEFIT TECHNOLOGIES, LLC NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 3700 KOPPERS ST, STE 400 BALTIMORE, MD 21227 | $547K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $219K |
| CHARTWELL INVESTMENT PARTNERS, LLC EIN 36-4776242 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $197K |
| FOSTER & FOSTER/BEYER-BARBER CO. EIN 59-1921114 NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | — | $169K |
| CHERIE FREEMAN EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $163K |
| JOSEPH SAMOLEWICZ EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $156K |
| WILLIG, WILLIAMS & DAVIDSON EIN 23-2416488 NONE | Legal; Direct payment from the plan Service code 29 | — | $144K |
| TRICIA MOODY EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $132K |
| DAPHNE ROSSI EIN 23-6262789 EMPLOYEE | Direct payment from the plan Service code 50 | — | $131K |
| JENNA SMITH EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $131K |
| BELINDA STOUDT EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $128K |
| CHRISTINA RIVERA EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $126K |
| KIM FISCHER EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $126K |
| KASEY MOYER EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $123K |
| CHARLOTTE HOUSER EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $122K |
| AMBER CARNES EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $122K |
| MONICA HASSLER EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $122K |
| STACIE WEBER EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $120K |
| KELLY LEONE EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $120K |
| MARTIN CULLEN EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $119K |
| APRIL MAISONET EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $118K |
| KRISTINE BROWN EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $117K |
| MARCIA MOYER EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $117K |
| DOROTHY FAIR EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $114K |
| JAMES STRICKER EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $112K |
| JILL SCHMALE EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $108K |
| WEIDENHAMMER SYSTEMS CORP EIN 23-2054990 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $107K |
| CAILIN ADAMS EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $104K |
| RUSTY KEMP EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $90K |
| ROBERT GENSLINGER EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $86K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $81K |
| CHERYL BURKE EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $80K |
| MICHELLE BICKHAM EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $80K |
| INTERCONTINENTAL R/E CORPORATION EIN 04-2895544 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $79K |
| CHANGE HEALTHCARE EIN 20-5731067 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $78K |
| KYLE WELLER EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $76K |
| JUDITH STRICKER EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $75K |
| LORI KEMMERER EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $74K |
| MORGAN, LEWIS & BOCKIUS, LLP EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | — | $73K |
| PETER SHIFFER EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $73K |
| SEGALL, BRYANT & HAMILL EIN 35-2679129 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $69K |
| DEBRA PFENNIG EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $68K |
| LISA MARDERNESS EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $66K |
| RICHARD PASTUSZEK EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $64K |
| DAMIEN WILD EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $62K |
| ESSEX TECHNOLOGY GROUP INC. EIN 22-3679815 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $61K |
| KELLY SNYDER EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $58K |
| LISA CYLCEWSKI EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $56K |
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 | 5,416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 632 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,048 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,054 | $593K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,054 | $593K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,054 | — |
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.