| 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 | $528K | $109K | $637K | 5.36% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $472K | — | $472K | 3.97% |
| HR ADVANTAGE LLC3 | 809 1ST ST OCEAN CITY, NJ 08226 | AMERICAN FIDELITY ASSURANCE COMPANY | $43K | — | $43K | 0.36% |
| BENEFIT WATCH LLC3 Filed as: BENEFIT WATCH INC | 164 SOUTH MAIN STREET YARDLEY, PA 19067 | AMERICAN FIDELITY ASSURANCE COMPANY | $32K | — | $32K | 0.27% |
| BUSH, JOSEPH P3 | 215 CLOVER LN PHOENIXVILLE, PA 19460 | AMERICAN FIDELITY ASSURANCE COMPANY | $30K | — | $30K | 0.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4000 MIDLANTIC DRIVE #300 MOUNT LAUREL, NJ 08054 | AMERICAN FIDELITY ASSURANCE COMPANY | $23K | — | $23K | 0.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | AMERICAN FIDELITY ASSURANCE COMPANY | $15K | — | $15K | 0.13% |
| COLLEGEVILLE FINANCIAL GROUP LLC3 | 41 WEST MAIN STREET COLLEGEVILLE, PA 19426 | AMERICAN FIDELITY ASSURANCE COMPANY | $14K | — | $14K | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PARK 80M W PLAZA 2 SADDLE BROOK, NJ 07663 | AMERICAN FIDELITY ASSURANCE COMPANY | $10K | — | $10K | 0.08% |
| MADS INSURANCE AGENCY3 Filed as: MADS INS AGCY INC | 7 STATE CR #301 ANNAPOLIS, MD 21401 | AMERICAN FIDELITY ASSURANCE COMPANY | $8K | — | $8K | 0.07% |
| GEORGE R VIOLAND3 | 1087 PRESIDENTS DRIVE LITITZ, PA 17543 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 0.03% |
| BIG OAK INSURANCE SERVICES3 | 3960 AIRPORT BLVD DOYLESTOWN, PA 18902 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 0.02% |
| SUPPLEMENTAL BENEFITS SERVICES INC3 | PO BOX 927 MECHANICSBURG, PA 17055 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 0.02% |
| NJ CAR SERVICES, INC.3 | 856 RIVER ROAD TRENTON, NJ 08628 | AMERICAN FIDELITY ASSURANCE COMPANY | $934 | — | $934 | 0.01% |
| MYERS BEAVER & VELLONE INS AGY INC3 | PO BOX 1391 ALTOONA, PA 16603 | AMERICAN FIDELITY ASSURANCE COMPANY | $571 | — | $571 | 0.00% |
| TRION GROUP, INC.3 Filed as: TRION GROUP INC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN FIDELITY ASSURANCE COMPANY | $377 | — | $377 | 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 | $229 | — | $229 | 0.00% |
| ROCHE FINANCIAL INC3 | 1610 EAST THIRD STREET WILLIAMSPORT, PA 17701 | AMERICAN FIDELITY ASSURANCE COMPANY | $211 | — | $211 | 0.00% |
| PENNSYLVANIA AUTO ASSOC INS AGY INC3 Filed as: PENNSYLVANIA AUTOMOTIVE ASSOCIATION | 1925 NORTH FRONT STREET HARRISBURG, PA 17105 | METROPOLITAN LIFE INSURANCE COMPANY | $48K | — | $48K | 6.00% |
| PENNSYLVANIA AUTO ASSOC INS AGY INC3 Filed as: PENNSYLVANIA AUTO ASSOS INS AGY INC | 1925 NORTH FRONT STREET PO BOX 2955 HARRISBURG, PA 17105 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 5.50% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1305 WALT WHITMAN RD SUITE 310 MELVILLE, NY 11747 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BOYER & RITTER EIN 23-1311005 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $42K |
| PNC BANK EIN 22-1146430 NONE | Investment management; Float revenue; Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $24K |
| CONRAD SIEGEL EIN 23-1669823 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $15K |
| TERRY KEATING LAW & REGULATORY SERV EIN 16-9401588 NONE | Consulting (general); Legal; Direct payment from the plan Service code 16 | — | $6K |
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 | 14,775 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 84 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,859 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN FIDELITY ASSURANCE COMPANY | 6,355 | $11.9M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 8,968 | $800K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,497 | $312K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 6,355 | $11.9M |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 6,355 | $11.9M |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 6,355 | $12.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,968 | — |
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.