| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA INC | 601 WALNUT ST STE 805 PHILADELPHIA, PA 19106 | AETNA LIFE INSURANCE CO. | $13K | $0 | $13K | 0.42% |
| GREYSTONE BENEFITS INC.3 | 5 STATION AVENUE SUITE 100 BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.36% |
| GREYSTONE BENEFITS INC.3 | 5 STATION AVENUE SUITE 100 BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.60% |
| GREYSTONE BENEFITS INC.3 | 5 STATION AVENUE SUITE 100 BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.49% |
| NORMAN RUBIN INC3 | 2727 E COUNTY LINE RD ARDMORE, PA 19003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 6.94% |
| JOSEPH R STOLL3 | 220 GRANNERY LN NORTH WALES, PA 19454 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $128 | $2K | 4.95% |
| PETRINA SKILES3 Filed as: PETRINA SKILES BENEFITS INC | 126 FOXSHIRE DR SUITE 1 LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $42 | $1K | 4.01% |
| REBEKAH RUCH3 | 1700 SULLIVAN TRAIL #323 EASTON, PA 18040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $44 | $1K | 3.86% |
| DAVID J MCCLELLAN3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $247 | $110 | $357 | 1.18% |
| LAWRENCE PRICHARD3 | 110 BRIDAL PATH NEW HOLLAND, PA 17557 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $1 | $20 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN OF PA INC DBA DOYLE BROKER | Insurance agents and brokers Service code 22 | 601 WALNUT ST SUITE 805 PHILADELPHIA, PA 19106 | $81K |
| AETNA BEHAVIORAL HEALTH LLC ADMIN | Claims processing Service code 12 | 151 FARMINGTON AVEN RSAA HARTFORD, CT 06156 | $5K |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 524 | $3.0M |
| Dental | AETNA LIFE INSURANCE CO. | 524 | $3.0M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $44K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $63K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 184 | $60K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.