| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENNSYLVANIA AUTO ASSOC INS AGY INC3 | 1925 NORTH FRONT STREET HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE COMPANY | $415K | $127K | $542K | 6.45% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $244K | — | $244K | 2.91% |
| HR ADVANTAGE LLC3 | 332 SHAW ROAD RIDLEY PARK, PA 19078 | AMERICAN FIDELITY ASSURANCE COMPANY | $57K | — | $57K | 0.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN FIDELITY ASSURANCE COMPANY | $26K | — | $26K | 0.31% |
| BENEFIT WATCH LLC3 Filed as: BENEFIT WATCH INC | 164 SOUTH MAIN STREET YARDLEY, PA 19067 | AMERICAN FIDELITY ASSURANCE COMPANY | $17K | — | $17K | 0.20% |
| COLLEGEVILLE FINANCIAL GROUP LLC3 | 41 WEST MAIN STREET COLLEGEVILLE, PA 19426 | AMERICAN FIDELITY ASSURANCE COMPANY | $16K | — | $16K | 0.19% |
| TRION GROUP, INC.3 Filed as: TRION GROUP INC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN FIDELITY ASSURANCE COMPANY | $8K | — | $8K | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PARK 80M W PLAZA 2 SADDLEBROOK, NJ 07663 | AMERICAN FIDELITY ASSURANCE COMPANY | $7K | — | $7K | 0.08% |
| MYERS BEAVER & VELLONE INS AGY INC3 | PO BOX 1391 ALTOONA, PA 16603 | AMERICAN FIDELITY ASSURANCE COMPANY | $7K | — | $7K | 0.08% |
| SUPPLEMENTAL BENEFITS SERVICES INC3 | PO BOX 927 MECHANICSBURG, PA 17055 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 0.02% |
| GEORGE R VIOLAND3 | 5 GOLFVIEW LANE READING, PA 19606 | AMERICAN FIDELITY ASSURANCE COMPANY | $971 | — | $971 | 0.01% |
| NJ CAR SERVICES, INC.3 | 856 RIVER ROAD TRENTON, NJ 08628 | AMERICAN FIDELITY ASSURANCE COMPANY | $766 | — | $766 | 0.01% |
| CHARLES J GETTY3 | 3406 LYNNWOOD DRIVE WEST HOMESTEAD, PA 15120 | AMERICAN FIDELITY ASSURANCE COMPANY | $596 | — | $596 | 0.01% |
| ROCHE FINANCIAL INC3 | 1610 EAST THIRD STREET WILLIAMSPORT, PA 17701 | AMERICAN FIDELITY ASSURANCE COMPANY | $365 | — | $365 | 0.00% |
| WEST VIRGINIA AUTO DEALERS3 | P.O. BOX 2028 CHARLESTON, WV 25327 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $314 | $314 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES, INC. | 700 W 47TH STREET #1100 KANSAS CITY, MO 64112 | AMERICAN FIDELITY ASSURANCE COMPANY | $166 | — | $166 | 0.00% |
| MODEL CONSULTING INC3 | 3160 TREMONT AVE TREVOSE, PA 19053 | AMERICAN FIDELITY ASSURANCE COMPANY | $146 | — | $146 | 0.00% |
| CONSOLIDATED BENEFITS INC3 Filed as: CONSOLIDATED BENEFITS, INC. | P.O. BOX 774232 HARRISBURG, PA 19428 | AMERICAN FIDELITY ASSURANCE COMPANY | $58 | — | $58 | 0.00% |
| MICHAEL MARTINELLI3 Filed as: MICHAEL L FEINMAN | 125 EAST ELM STREET #300 CONSHOHOCKEN, PA 19428 | AMERICAN FIDELITY ASSURANCE COMPANY | $27 | — | $27 | 0.00% |
| STUART BENEFITS CONSULTING LLC3 | 26 W BROAD STREET #105 BETHLEHEM, PA 18018 | AMERICAN FIDELITY ASSURANCE COMPANY | $24 | — | $24 | 0.00% |
| PENNA. AUTO ASSOC. INS. AGENCY3 Filed as: PENNA. AUTOMOTIVE ASSOC. INS. AGENC | 1925 N. FRONT STREET PO BOX 2955 HARRISBURG, PA 17105 | UNITED CONCORDIA LIFE & HEALTH INS. COMPANY | $86K | — | $86K | 1.96% |
| PENN. AUTOMOTIVE ASSOCIATION3 | 1925 NORTH FRONT STREET PO BOX 2955 HARRISBURG, PA 17105 | HM LIFE INSURANCE COMPANY | $30K | — | $30K | 6.00% |
| PENNSYLVANIA AUTO ASSOC INS AGY INC3 Filed as: PENNSYLVANIA AUTOMOTIVE ASSOC | 1925 NORTH FRONT STREET PO BOX 2955 HARRISBURG, PA 17105 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 5.50% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. INC | SUITE 210 400 POST AVENUE WESTBURY, NY 11590 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 3.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BOYER & RITTER EIN 23-1311005 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $20K |
| CONRAD SIEGEL ACTUARIES EIN 23-1669823 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $10K |
| MCNEES WALLACE & NURICK LLC EIN 23-1256003 NONE | Legal; Direct payment from the plan Service code 29 | — | $9K |
| PNC BANK, NATIONAL ASSOCIATION EIN 25-1211909 NONE | Float revenue; Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $8K |
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 | 9,593 | 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) | 9,593 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN FIDELITY ASSURANCE COMPANY | 6,372 | $8.4M |
| Dental | UNITED CONCORDIA LIFE & HEALTH INS. COMPANY | 9,593 | $4.4M |
| Vision | HM LIFE INSURANCE COMPANY | 5,966 | $506K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,361 | $295K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 6,372 | $8.4M |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 6,372 | $8.4M |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 6,372 | $8.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,593 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.