| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 823221 PHILADELPHIA, PA 19182 | AETNA LIFE INSURANCE COMPANY | $69K | — | $69K | 2.00% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 220748 CHARLOTTE, NC 28222 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $79K | $3K | $82K | 3.63% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $55K | — | $55K | 9.32% |
| WELLS FARGO INSURANCE SERVICES3 | 190 RIVER ROAD SUMMIT, NJ 07902 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $17K | $30K | 5.14% |
| DAVID A. BRANDIES3 | 600 WEST GERMANTOWN TURNPIKE SUITE 400 PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.01% |
| TOTAL PACKAGE PARTNERS INC3 Filed as: TOTAL PACKAGE PARTNERS, INC. | 600 WEST GERMANTOWN TURNPIKE SUITE 400 PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $57 | $57 | 0.01% |
| WELLS FARGO INSURANCE SERVICES3 | 190 RIVER ROAD, 1ST FLOOR SUMMIT, NJ 07901 | ACE AMERICAN INSURANCE COMPANY | $27K | — | $27K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | — | $27K | $27K | 15.00% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.37% |
| WEVODAU INS. & BENEFIT STRATEGIES3 Filed as: WEVODAU INS. AND BENEFIT STRATEGIES | PO BOX 269 ENCOLA, PA 17025 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $100 | — | $100 | 0.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 190 RIVER ROAD, 1ST FLOOR SUMMIT, NJ 07901 | ACE AMERICAN INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | — | $3K | $3K | 15.00% |
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 | 10,911 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,523 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 229 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,663 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 10,911 | $2.3M |
| Long-term disability(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 8,834 | $4.1M |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 11,002 | $585K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,002 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.