| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1166 AVE OF THE AMERICANS NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 8.06% |
| MARSH & MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 2.69% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | — | $872 | $872 | 1.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 1166 AVENUE OF THE AMERICANS NEW YORK, NY 10036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 13.24% |
| HIPPS CRYSTAL3 | 534 BETTY LANE COLUMBIA, PA 17512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.91% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES INC | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $333 | — | $333 | 1.10% |
| TROCKI GEORGE3 | PO BOX 775 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $171 | — | $171 | 0.57% |
| PETERSON DOUGLAS C3 | 598 RIVERWOOD AVE PT PLEASANT, NJ 08742 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $156 | — | $156 | 0.52% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ELEMENT RISK MANAGEMENT LLC | 310 N HIGH STREET WEST CHESTER, PA 19380 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $149 | — | $149 | 0.49% |
| TALMAS DAVID A3 | 39 PEACH LANE LANCASTER, PA 176013245 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 0.11% |
| TROCKI BENEFIT GROUP INC3 | PO BOX 775 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| SHANAMAN AMY JO3 | 84 MAIN ST. PO BOX 71 STRAUSSTOWN, PA 19559 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| GELHARD DONNA3 | 3926 TIDEWOOD RD BALTIMORE, MD 21220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.03% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 131 | $30K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 192 | $76K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 192 | $76K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 192 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.