| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHAEFER, JENNIFER A3 | 9 SOMERSET ROAD REHOBOTH BEACH, DE 19971 | HIGHMARK, INC. | $43K | $0 | $43K | 1.98% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 100 PINEWOOD LANE SUITE 301 WARRENDALE, PA 15086 | HIGHMARK, INC. | $22K | $0 | $22K | 0.99% |
| JS BENEFITS GROUP INC3 | JS BENEFITS GROUP INC NEWTOWN, PA 18940 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $6K | $863 | $6K | 13.20% |
| DONALD C SAVOY INC3 | DONALD C SAVOY INC BERKELEY HEIGHTS, NJ 07922 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 4.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES INC | RISK PLACEMENT SERVICES INC ROLLING MEADOWS, IL 60008 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $954 | $954 | 1.97% |
| JS BENEFITS GROUP INC3 Filed as: JS BENEFITS GROUP | 54 FRIENDS LANE SUITE 121 NEWTOWN, PA 18940 | DELTA DENTAL OF PENNSYLVANIA | $4K | $0 | $4K | 10.00% |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 290 | $2.2M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 113 | $39K |
| Vision | HIGHMARK, INC. | 290 | $2.2M |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 192 | $48K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 192 | $48K |
| Prescription drug | HIGHMARK, INC. | 290 | $2.2M |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 192 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.