| 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 | $391K | $113K | $504K | 6.01% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $346K | — | $346K | 4.12% |
| HR ADVANTAGE LLC3 | 332 SHAW ROAD RIDLEY PARK, PA 19078 | AMERICAN FIDELITY ASSURANCE COMPANY | $84K | — | $84K | 1.00% |
| 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 | $18K | — | $18K | 0.21% |
| COLLEGEVILLE FINANCIAL GROUP LLC3 | 41 WEST MAIN STREET COLLEGEVILLE, PA 19426 | AMERICAN FIDELITY ASSURANCE COMPANY | $17K | — | $17K | 0.21% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES INC | 225 N SHORE DRIVE #300 PITTSBURGH, PA 15212 | AMERICAN FIDELITY ASSURANCE COMPANY | $9K | — | $9K | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PARK 80M W PLAZA 2 SADDLEBROOK, NJ 07663 | AMERICAN FIDELITY ASSURANCE COMPANY | $8K | — | $8K | 0.09% |
| MYERS BEAVER & VELLONE INS AGY INC3 | PO BOX 1391 ALTOONA, PA 16603 | AMERICAN FIDELITY ASSURANCE COMPANY | $7K | — | $7K | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4000 MIDLANTIC DRIVE #300 MOUNT LAUREL, NJ 08054 | AMERICAN FIDELITY ASSURANCE COMPANY | $7K | — | $7K | 0.08% |
| 701 WESTTOWN ROAD LLC3 | 200 W LINCOLN HWY #A EXTON, PA 19341 | AMERICAN FIDELITY ASSURANCE COMPANY | $7K | — | $7K | 0.08% |
| DEL-VAL INSURANCE GROUP INC3 | 967A STREET ROAD SOUTHAMPTON, PA 18966 | AMERICAN FIDELITY ASSURANCE COMPANY | $6K | — | $6K | 0.07% |
| TRION GROUP, INC.3 Filed as: TRION GROUP INC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 0.05% |
| SUPPLEMENTAL BENEFITS SERVICES INC3 | PO BOX 927 MECHANICSBURG, PA 17055 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 0.02% |
| GEORGE R VIOLAND3 | 5 GOLFVIEW LANE READING, PA 19606 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 0.01% |
| NJ CAR SERVICES, INC.3 | 856 RIVER ROAD TRENTON, NJ 08628 | AMERICAN FIDELITY ASSURANCE COMPANY | $627 | — | $627 | 0.01% |
| ROCHE FINANCIAL INC3 | 1610 EAST THIRD STREET WILLIAMSPORT, PA 17701 | AMERICAN FIDELITY ASSURANCE COMPANY | $416 | — | $416 | 0.00% |
| CHARLES J GETTY3 | 3406 LYNNWOOD DRIVE WEST HOMESTEAD, PA 15120 | AMERICAN FIDELITY ASSURANCE COMPANY | $395 | — | $395 | 0.00% |
| STUART BENEFITS CONSULTING LLC3 | 26 W BROAD STREET #105 BETHLEHEM, PA 18018 | AMERICAN FIDELITY ASSURANCE COMPANY | $328 | — | $328 | 0.00% |
| WEST VIRGINIA AUTO DEALERS3 | P.O. BOX 2028 CHARLESTON, WV 25327 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $327 | $327 | 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 | $231 | — | $231 | 0.00% |
| CONSOLIDATED BENEFITS INC3 Filed as: CONSOLIDATED BENEFITS, INC. | P.O. BOX 774232 HARRISBURG, PA 19428 | AMERICAN FIDELITY ASSURANCE COMPANY | $34 | — | $34 | 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 | $98K | $23K | $122K | 2.45% |
| PENN. AUTOMOTIVE ASSOCIATION3 | 1925 NORTH FRONT STREET PO BOX 2955 HARRISBURG, PA 17105 | HM LIFE INSURANCE COMPANY | $34K | — | $34K | 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 310 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 3.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BOYER & RITTER EIN 23-1311005 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $21K |
| CONRAD SIEGEL ACTUARIES EIN 23-1669823 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $15K |
| PNC BANK EIN 25-1211909 NONE | Direct payment from the plan; Float revenue; Trustee (bank, trust company, or similar financial institution) 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 | 9,990 | 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) | 9,990 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN FIDELITY ASSURANCE COMPANY | 6,338 | $8.4M |
| Dental | UNITED CONCORDIA LIFE & HEALTH INS. COMPANY | 9,990 | $5.0M |
| Vision | HM LIFE INSURANCE COMPANY | 6,402 | $565K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,688 | $286K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 6,338 | $8.4M |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 6,338 | $8.4M |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 6,338 | $8.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,990 | — |
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.