| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GORDON W ST JOHN3 Filed as: GORDON W. ST JOHN | 795 E. LANCASTER AVE TWO VILLANOVA CENTER STE 210 VILLANOVA, PA 19085 | AETNA LIFE INSURANCE COMPANY | $76K | $0 | $76K | 1.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY A MARSH & | MCLENNAN AGENCY LLC COMPANY LOCKBOX 740659 LOS ANGELES, CA 90074 | AETNA LIFE INSURANCE COMPANY | $25K | $17K | $42K | 0.86% |
| GORDON W ST JOHN3 Filed as: GORDON W. ST JOHN | 795 E. LANCASTER AVE TWO VILLANOVA CENTER STE 210 VILLANOVA, PA 19085 | AETNA HEALTH, INC. | $29K | $0 | $29K | 1.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY A MARSH & | MCLENNAN AGENCY LLC COMPANY LOCKBOX 740659 LOS ANGELES, CA 90074 | AETNA HEALTH, INC. | $10K | $0 | $10K | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 921221238 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $74 | $15K | 2.70% |
| GORDON W ST JOHN3 Filed as: GORDON ST JOHN | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 1.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.76% |
| INTEGRATED BENEFIT SERVICES INC3 | D/B/A PENTRA INC 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $534 | $211 | $745 | 0.13% |
| ST JOHN, GORDON3 Filed as: ST. JOHN, GORDON | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54K | $0 | $54K | 11.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE STE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $13K | 2.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC HQ | 360 HAMILTON AVE STE 930 WHITE PLAINS, NY 10601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| ST JOHN, GORDON3 Filed as: ST. JOHN, GORDON | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 11.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE STE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $383 | $3K | 2.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC HQ | 360 HAMILTON AVE STE 930 WHITE PLAINS, NY 10601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC. | LOCKBOX 740663 LOS ANGELES, CA 90074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $908 | $0 | $908 | 3.41% |
| DEVAN L BERRY3 | 2955 COWLEY WAY #98 SAN DIEGO, CA 92117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $676 | $0 | $676 | 2.54% |
| CK GOHL INSURANCE SOLUTIONS3 | 6306 LUSK BLVD. SAN DIEGO, CA 91942 | CONTINENTAL AMERICAN INSURANCE COMPANY | $460 | $0 | $460 | 1.73% |
| MARK HABER & ASSOC INC3 | 9370 SKY PARK CT SUITE 250 SAN DIEGO, CA 92123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $375 | $0 | $375 | 1.41% |
| JORDREW INS SOLUTIONS INC3 | 5308 CORTE PLAYA JACINTO SAN DIEGO, CA 92124 | CONTINENTAL AMERICAN INSURANCE COMPANY | $284 | $0 | $284 | 1.07% |
| MICHAEL P ZORN3 | AFLAC OFFICE 60 US HWY 46 FAIRFIELD, NJ 07004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $282 | $0 | $282 | 1.06% |
| STEVE HEROUX ENTERPRISES3 | 11484 EASTRIDGE PLACE SAN DIEGO, CA 92131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $257 | $0 | $257 | 0.96% |
| GARRETT L SMITH3 | 5050 MURPHY CANYON RD SAN DIEGO, CA 92123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $233 | $0 | $233 | 0.87% |
| KATHLEEN MACALLISTER3 | 11686 CARMEL CREEK RD #304 SAN DIEGO, CA 92130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $167 | $0 | $167 | 0.63% |
| BETH E FREDERICKSON3 | 60 ROUTE 46 EAST FAIRFIELD, NJ 07004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $152 | $0 | $152 | 0.57% |
| ANDREW R GRETHEL3 | 367 VIA ANDULUSIA ENCINITAS, CA 92024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | $0 | $75 | 0.28% |
| NICOLE LYNN RIHANEK3 Filed as: NICOLE L RIHANEK | 616 CYPRESS CREEK PKWY STE 750 HOUSTON, TX 77090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | $0 | $70 | 0.26% |
| MICHAEL A FORNARO3 | 271 ROUTE 46 WEST SUITE H119 FAIRFIELD, NJ 07004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | $0 | $44 | 0.17% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY ROAD SUITE 150 CARLSBAD, CA 92011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | $0 | $18 | 0.07% |
| CHRISTOPHER A STROUD3 | 120 SMITHTOWN RD HACKETTSTOWN, NJ 07840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.05% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 225 S WATER ST SUITE I WILMINGTON, NC 28401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.05% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.05% |
| DEREK L RIHANEK3 | 616 CYPRESS CREEK PKWY STE 750 HOUSTON, TX 77090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.04% |
| MARILYN GOLDFISCHER3 Filed as: MARILYN L GOLDFISCHER | 124 W SADDLE RIVER ROAD SADDLE RIVER, NJ 07458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $0 | $10 | 0.04% |
| CHRISTA G AUFDEMBERG INC4 Filed as: CHRISTA G. AUFDEMBERG INC | 13102 BRITTANY WOODS DR TUSTIN, CA 92780 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 14.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY LLC A MARSH & | MCLENNAN P.O. BOX 85638 SAN DIEGO, CA 92186 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $493 | $0 | $493 | 5.18% |
| PENTRA LLC3 | STE 210 795 E LANCASTER AVE VILLANOVA, PA 19085 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $39 | $0 | $39 | 0.41% |
| JAY R GIRARD4 | 4419 RANCHO LARGO RD NW ALBUQUERQUE, NM 87120 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $13 | $0 | $13 | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | $113 | $14 | $127 | 16.93% |
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 | 570 | 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) | 574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,775 | $6.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,682 | $553K |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,775 | $4.9M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 530 | $600K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 530 | $490K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 530 | $490K |
| Other(6 contracts, 5 carriers) | AETNA HEALTH, INC. | 530 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,775 | — |
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.