| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA DAVID M. BANET | 350 5TH AVENUE, STE 3700 NEW YORK, NY 10118 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $0 | $3K | 7.76% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT RD SUITE 200 BERWYN, PA 19312 | UNITED CONCORDIA INSURANCE COMPANY | $765 | $0 | $765 | 2.16% |
| HOWARD LAMPLUGH3 Filed as: HOWARD LAMPLUGH III | 230 BISHOP HOLLOW ROAD MEDIA, PA 19063 | MADISON NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.01% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.10% |
| HOWARD LAMPLUGH3 Filed as: HOWARD LAMPLUGH III | 230 BISHOP HOLLOW RD MEDIA, PA 19063 | MADISON NATIONAL LIFE INSURANCE COMPANY | $476 | $0 | $476 | 7.49% |
| C. DONALD WHEATLEY3 | 505 HAMILTON AVE, STE 203 LINWOOD, NJ 08221 | MADISON NATIONAL LIFE INSURANCE COMPANY | $476 | $0 | $476 | 7.49% |
| NORTH AMERICAN BENEFITS COMPANY5 Filed as: NORTH AMERICAN BENEFITS CO. | 20 VALLEY STREAM PRKWY SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $262 | $262 | 4.12% |
No Schedule C service providers reported on this filing.
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 | 73 | 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) | 73 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 84 | $35K |
| Life insurance(2 contracts) | MADISON NATIONAL LIFE INSURANCE COMPANY | 80 | $28K |
| Short-term disability(2 contracts) | MADISON NATIONAL LIFE INSURANCE COMPANY | 80 | $28K |
| Other(2 contracts) | MADISON NATIONAL LIFE INSURANCE COMPANY | 80 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 84 | — |
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.