| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $823K | — | $823K | 7.05% |
| PENNSYLVANIA AUTO ASSOC INS AGY INC3 | 1925 NORTH FRONT STREET HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE COMPANY | $539K | $104K | $643K | 5.51% |
| HR ADVANTAGE LLC3 | 809 1ST ST OCEAN CITY, NJ 08226 | AMERICAN FIDELITY ASSURANCE COMPANY | $33K | — | $33K | 0.28% |
| BENEFIT WATCH LLC3 Filed as: BENEFIT WATCH INC | 164 SOUTH MAIN STREET YARDLEY, PA 19067 | AMERICAN FIDELITY ASSURANCE COMPANY | $33K | — | $33K | 0.28% |
| BIG OAK INSURANCE SERVICES3 | 3960 AIRPORT BLVD DOYLESTOWN, PA 18902 | AMERICAN FIDELITY ASSURANCE COMPANY | $33K | — | $33K | 0.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 300 FELLOWSHIP RD MOUNT LAUREL, NJ 08054 | AMERICAN FIDELITY ASSURANCE COMPANY | $31K | — | $31K | 0.27% |
| MADS INSURANCE AGENCY3 Filed as: MADS INS AGCY INC | 7 STATE CR #301 ANNAPOLIS, MD 21401 | AMERICAN FIDELITY ASSURANCE COMPANY | $16K | — | $16K | 0.14% |
| BUSH, JOSEPH P3 | 215 CLOVER LN PHOENIXVILLE, PA 19460 | AMERICAN FIDELITY ASSURANCE COMPANY | $12K | — | $12K | 0.11% |
| COLLEGEVILLE FINANCIAL GROUP LLC3 | 41 WEST MAIN STREET COLLEGEVILLE, PA 19426 | AMERICAN FIDELITY ASSURANCE COMPANY | $12K | — | $12K | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | AMERICAN FIDELITY ASSURANCE COMPANY | $11K | — | $11K | 0.10% |
| 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% |
| GEORGE R VIOLAND3 | 1087 PRESIDENTS DRIVE LITITZ, PA 17543 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 0.03% |
| NJ CAR SERVICES, INC.3 | 856 RIVER ROAD TRENTON, NJ 08628 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 0.02% |
| SUPPLEMENTAL BENEFITS SERVICES INC3 | PO BOX 927 MECHANICSBURG, PA 17055 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 0.02% |
| MYERS BEAVER & VELLONE INS AGY INC3 | PO BOX 1391 ALTOONA, PA 16603 | AMERICAN FIDELITY ASSURANCE COMPANY | $427 | — | $427 | 0.00% |
| TRION GROUP, INC.3 Filed as: TRION GROUP INC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN FIDELITY ASSURANCE COMPANY | $355 | — | $355 | 0.00% |
| SMITH, STEVEN O3 | 727 FOX TAIL DR BETHANY BEACH, DE 19930 | AMERICAN FIDELITY ASSURANCE COMPANY | $248 | — | $248 | 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 | $174 | — | $174 | 0.00% |
| ROCHE FINANCIAL INC3 | 1610 EAST THIRD STREET WILLIAMSPORT, PA 17701 | AMERICAN FIDELITY ASSURANCE COMPANY | $162 | — | $162 | 0.00% |
| SMITH GRAVES ASSOCIATES INC3 | 11300 ROCKVILLE PIKE ROCKVILLE, MD 20852 | AMERICAN FIDELITY ASSURANCE COMPANY | -$25 | — | -$25 | -0.00% |
| PENNSYLVANIA AUTO ASSOC INS AGY INC3 Filed as: PENNSYLVANIA AUTOMOTIVE ASSOCIATION | 1925 NORTH FRONT STREET HARRISBURG, PA 17105 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | — | $49K | 6.00% |
| PENNSYLVANIA AUTO ASSOC INS AGY INC3 | 1925 NORTH FRONT STREET PO BOX 2955 HARRISBURG, PA 17105 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 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 | $10K | — | $10K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BOYER & RITTER EIN 23-1311005 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $45K |
| PNC BANK EIN 22-1146430 NONE | Trustee (bank, trust company, or similar financial institution); Investment management; Float revenue; Direct payment from the plan Service code 21 | — | $26K |
| CONRAD SIEGEL EIN 23-1669823 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $16K |
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 | 18,529 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 87 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,616 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN FIDELITY ASSURANCE COMPANY | 7,243 | $11.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 9,048 | $816K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,771 | $337K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 7,243 | $11.7M |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 7,243 | $11.7M |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 7,243 | $12.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,048 | — |
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.
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.