| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICHOLAS H. LAMOTTE3 Filed as: NICHOLAS LAMOTTE | 795 E LANCASTER AVE STE 210 2 VILLANOVA CTR VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 5.61% |
| GORDON W ST JOHN3 Filed as: GORDON ST JOHN | SUITE 210 795 E LANCASTER AVE VILLANOVA, PA 19085 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 6.23% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $3 | $3 | 0.00% |
| ST JOHN, GORDON3 | 795 EAST LANCASTER AVE STE 210 VILLANOVA, PA 19085 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $12K | $0 | $12K | 9.35% |
| NICHOLAS H. LAMOTTE3 Filed as: NICHOLAS H. LA MOTTE | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | VISION SERVICE PLAN | $998 | $0 | $998 | 5.39% |
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 | 352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 507 | $230K |
| Vision | VISION SERVICE PLAN | 130 | $19K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 410 | $263K |
| Short-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 183 | $124K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 410 | $263K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 410 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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.