| 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 | $348K | $74K | $422K | 5.39% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $241K | — | $241K | 3.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN FIDELITY ASSURANCE COMPANY | $44K | — | $44K | 0.57% |
| HR ADVANTAGE LLC3 | 37 OAKMONT PL MEDIA, PA 19063 | AMERICAN FIDELITY ASSURANCE COMPANY | $35K | — | $35K | 0.45% |
| BENEFIT WATCH LLC3 Filed as: BENEFIT WATCH INC | 164 SOUTH MAIN STREET YARDLEY, PA 19067 | AMERICAN FIDELITY ASSURANCE COMPANY | $19K | — | $19K | 0.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4000 MIDLANTIC DRIVE #300 MOUNT LAUREL, NJ 08054 | AMERICAN FIDELITY ASSURANCE COMPANY | $11K | — | $11K | 0.14% |
| COLLEGEVILLE FINANCIAL GROUP LLC3 | 41 WEST MAIN STREET COLLEGEVILLE, PA 19426 | AMERICAN FIDELITY ASSURANCE COMPANY | $11K | — | $11K | 0.14% |
| 701 WESTTOWN ROAD LLC3 | 200 W LINCOLN HWY #A EXTON, PA 19341 | AMERICAN FIDELITY ASSURANCE COMPANY | $10K | — | $10K | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PARK 80M W PLAZA 2 SADDLEBROOK, NJ 07663 | AMERICAN FIDELITY ASSURANCE COMPANY | $7K | — | $7K | 0.09% |
| MYERS BEAVER & VELLONE INS AGY INC3 | PO BOX 1391 ALTOONA, PA 16603 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 0.05% |
| TRION GROUP, INC.3 Filed as: TRION GROUP INC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 0.04% |
| STUART BENEFITS CONSULTING LLC3 | 60 W BROAD STREET #302 BETHLEHEM, PA 18018 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 0.03% |
| GEORGE R VIOLAND3 | 1087 PRESIDENTS DRIVE LITITZ, PA 17543 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 0.02% |
| SUPPLEMENTAL BENEFITS SERVICES INC3 | PO BOX 927 MECHANICSBURG, PA 17055 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 0.01% |
| NJ CAR SERVICES, INC.3 | 856 RIVER ROAD TRENTON, NJ 08628 | AMERICAN FIDELITY ASSURANCE COMPANY | $909 | — | $909 | 0.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES, INC. | 700 W 47TH STREET #1100 KANSAS CITY, MO 64112 | AMERICAN FIDELITY ASSURANCE COMPANY | $186 | — | $186 | 0.00% |
| ROCHE FINANCIAL INC3 | 1610 EAST THIRD STREET WILLIAMSPORT, PA 17701 | AMERICAN FIDELITY ASSURANCE COMPANY | $163 | — | $163 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 S 8TH STREET #700 MINNEAPOLIS, MN 55402 | AMERICAN FIDELITY ASSURANCE COMPANY | $126 | — | $126 | 0.00% |
| PENN. AUTOMOTIVE ASSOCIATION3 | 1925 NORTH FRONT STREET PO BOX 2955 HARRISBURG, PA 17105 | HM LIFE INSURANCE COMPANY | $33K | — | $33K | 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 | $14K | — | $14K | 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 | $8K | — | $8K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BOYER & RITTER EIN 23-1311005 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $29K |
| CONRAD SIEGEL EIN 23-1669823 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $13K |
| PNC BANK EIN 25-1211909 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Float revenue 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 | 12,851 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 162 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,013 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN FIDELITY ASSURANCE COMPANY | 4,982 | $7.8M |
| Vision | HM LIFE INSURANCE COMPANY | 5,861 | $549K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,715 | $254K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 4,982 | $7.8M |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 4,982 | $7.8M |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 4,982 | $8.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,861 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.