| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 310 GRANT ST PITTSBURGH, PA 15219 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $47K | $51K | 3.48% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 37 W BROAD ST #1100 COLUMBUS, OH 43215 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $30K | $30K | 2.07% |
| JANE KULIKAUSKAS3 | 3022 NESCO RD HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24K | — | $24K | 16.14% |
| BRUCE L JONES3 Filed as: BRUCE JONES | 40 W GERMANTOWN PIKE EAST NORRITON, PA 19401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22K | — | $22K | 14.44% |
| DOUGLAS C. PETERSON3 Filed as: DOUGLAS PETERSON | 598 RIVERWOOD AVE PT PLEASANT, NJ 08742 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20K | — | $20K | 13.47% |
| GREG WIESMORE3 | 46 FAWN HOLLOW LANE MULLICA HILL, NJ 08062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 7.05% |
| EFREN A. INFANTE3 Filed as: EFREN INFANTE | 8 BELL CIRCLE MALVERN, PA 19355 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 6.25% |
| JAMES HANNON LLC3 Filed as: JAMES HANNON | 6049 KELLERS CHURCH RD PIPERSVILLE, PA 18947 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 2.93% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 2.47% |
| JAMES HANNON LLC3 | 6049 KELLERS CHURCH RD PIPERSVILLE, PA 18947 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 7.18% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 14.75% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $5K | 14.48% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 19.52% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 14.73% |
| DOUGLAS C. PETERSON3 Filed as: DOUGLAS PETERSON | 598 RIVERWOOD AVE PT PLEASANT, NJ 08742 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 4.81% |
| JANE KULIKAUSKAS3 | 3022 NESCO RD HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 4.81% |
| BRUCE L JONES3 | 40 W GERMANTOWN NORRINTON, PA 19401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 3.75% |
| JAMES HANNON LLC3 | 6049 KELLERS CHURCH ROAD PIPERSVILLE, PA 18947 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.77% |
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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 255 | $1.5M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $81K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 255 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 262 | $185K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 98 | $45K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 257 | $31K |
| Other(4 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 262 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.