| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR. CENTER II STE 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $53K | $53K | 9.79% |
| ALAN KIFFERSTEIN3 Filed as: ALAN C KIFFERSTEIN | 570 LEXINGTON AVE STE 1600 NEW YORK, NY 10022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 4.00% |
| FABRICANT & FABRICANT3 Filed as: FABRICANT & FABRICANT INC. | 1251 OLD NORTHERN BLVD. ROSLYN, NY 11576 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 4.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR. CENTER II STE 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 10.22% |
| ALAN KIFFERSTEIN3 Filed as: ALAN C KIFFERSTEIN | 570 LEXINGTON AVE STE 1600 NEW YORK, NY 10022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.00% |
| FABRICANT & FABRICANT3 Filed as: FABRICANT & FABRICANT INC. | 1251 OLD NORTHERN BLVD. ROSLYN, NY 11576 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GLOBAL PHARMACEUTICAL BENEFITS LLC EIN 27-3340151 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $3.4M |
| MERITAIN HEALTH INC. EIN 16-1264154 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.7M |
| BRIDGEWAY BENEFIT TECHNOLOGIES, LLC EIN 52-1796473 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $571K |
| HIGHMARK, INC. EIN 23-1294723 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $484K |
| ALLIANCE COMMUNITY HEALTHCARE INC. EIN 22-1831695 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $374K |
| AMERICAN HEALTH HOLDING, INC. EIN 31-1368946 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $340K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $257K |
| BICC SYSTEMS, INC. EIN 36-2852073 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $230K |
| WILLIG, WILLIAMS & DAVIDSON EIN 23-2416488 NONE | Legal; Direct payment from the plan Service code 29 | — | $213K |
| CHARTWELL INVESTMENT PARTNERS, LLC EIN 36-4776242 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $199K |
| CHERIE FREEMAN EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $182K |
| JOSEPH SAMOLEWICZ EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $176K |
| MORGAN, LEWIS & BOCKIUS, LLP EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | — | $159K |
| DAPHNE ROSSI EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $155K |
| MEDEXPERT INTERNATIONAL, INC. EIN 94-3360248 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $152K |
| JENNA SMITH EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $149K |
| TRICIA MOODY EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $148K |
| CHRISTINA RIVERA EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $146K |
| KASEY MOYER EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $140K |
| CHARLOTTE HOUSER EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $139K |
| KRISTINE BROWN EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $139K |
| AMBER CARNES EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $138K |
| STACIE WEBER EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $138K |
| KELLY LEONE EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $137K |
| MONICA HASSLER EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $136K |
| MARTIN CULLEN EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $133K |
| MARCIA MOYER EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $132K |
| APRIL MAISONET EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $132K |
| DOROTHY FAIR EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $130K |
| JAMES STRICKER EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $126K |
| FOSTER & FOSTER/BEYER-BARBER CO. EIN 59-1921114 NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $122K |
| RUSTY KEMP EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $102K |
| SEGALL, BRYANT & HAMILL EIN 35-2679129 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $95K |
| MICHELLE BICKHAM EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $94K |
| CHERYL BURKE EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $93K |
| ROBERT GENSLINGER EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $92K |
| KYLE WELLER EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $88K |
| LV PRINT CENTER EIN 93-1517255 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $87K |
| JUDITH STRICKER EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $87K |
| INTERCONTINENTAL R/E CORPORATION EIN 04-2895544 NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $84K |
| PETER SHIFFER EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $82K |
| LORI KEMMERER EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $80K |
| CAILIN ADAMS EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $77K |
| DEBRA PFENNIG EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $76K |
| LISA MARDERNESS EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $76K |
| BELINDA STOUDT EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $76K |
| DAMIEN WILD EIN 23-6262789 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $76K |
| ALLYN SEIDELL EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $75K |
| RICHARD PASTUSZEK EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $74K |
| JILL SCHMALE EIN 23-6262789 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $71K |
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 | 4,958 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 438 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,521 | $542K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,521 | $579K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,521 | — |
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."
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.