| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 100 GRANITE DRIVE MEDIA, PA 19063 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 4.37% |
| DONATO HOLDINGS INC3 Filed as: DONATO HOLDINGS, INC. | 100 GRANITE DRIVE MEDIA, PA 19063 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 3.57% |
| THE SAFEGARD GROUP INC3 | 100 GRANITE DR, STE 205 MEDIA, PA 19063 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 2.69% |
| THE SAFEGARD GROUP INC3 | 100 GRANITE DR, STE 205 MEDIA, PA 19063 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRADY, CHAPMAN, HOLLAND & ASSOCIATE | 10055 W GULF BANK RD HOUSTON, TX 77040 | DEARBORN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.91% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH | 100 GRANITE DR, STE 205 MEDIA, PA 19063 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 4.59% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVCS LLC | 501 OFFICE CENTER DRIVE FORT WASHINGTON, PA 19034 | HARTFORD LIFE AND ACCIDENT | — | $172 | $172 | 0.73% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS, LLC. | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | HARTFORD LIFE AND ACCIDENT | — | -$3 | -$3 | -0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE SAFEGARD GROUP INSUR AGENT OR BROKER | Insurance agents and brokers Service code 22 | 100 GRANITE DRIVE MEDIA, PA 19063 | $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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 226 | $101K |
| Vision | AETNA LIFE INSURANCE CO. | 226 | $101K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 246 | $24K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 59 | $37K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 131 | $601K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 246 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.