| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANCIS J GRUBE III3 Filed as: FRANCIS J. GRUBE III | 770 2ND STREET PIKE RICHBORO, PA 18954 | INDEPENDENCE BLUE CROSS | $108K | — | $108K | 0.61% |
| FRANCIS J GRUBE III3 Filed as: FRANCIS GRUBE III | 1424 GABRIEL LANE WARMINSTER, PA 18974 | HM LIFE INSURANCE COMPANY | $153K | — | $153K | 15.00% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT CONCEPTS LLC | 413 MARLTON PIKE E STE 300 CHERRY HILL, NJ 080342483 | PRINCIPAL LIFE INSURANCE COMPANY | $85K | — | $85K | 10.00% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT CONCEPTS LLC | 413 MARLTON PIKE E STE 300 CHERRY HILL, NJ 080342483 | METROPOLITAN LIFE INSURANCE COMPANY | $103K | $16K | $119K | 14.83% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84K | — | $84K | 19.51% |
| FRANCIS J GRUBE III3 Filed as: FRANCIS J. GRUBE III | 1424 GABRIEL LANE WARWICK, PA 18974 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28K | — | $28K | 6.40% |
| MG BERGER INC3 | 1020 NORTH DELAWARE AVE 4TH FLOOR PHILADELPHIA, PA 19125 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.82% |
| ERIC R MACDOUGALL3 | 1 NESHAMINY INTERPLEX DR STE 201 FEASTERVILLE TREVOSE, PA 19053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.65% |
| MATTHEW T O'HANLON3 | 921 GREENBRIER DR BLUEBELL, PA 19422 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.65% |
| RYAN K GOLDBERG3 | 103 CHURCH STREET APT 3 PHILADELPHIA, PA 19106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $983 | — | $983 | 0.23% |
| ANGELA MASSARELLI3 | 432 TUVIRA LANE CHERRY HILL, NJ 08003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $634 | — | $634 | 0.15% |
| DARREN D RIDDLE3 | 7850 AVONDALE TERRACE HARRISBURG, PA 17112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $633 | — | $633 | 0.15% |
| STACI J O'BRIEN3 | 116 NORTH BELLEVUE AVENUE LANGHORNE, PA 19047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $460 | — | $460 | 0.11% |
| MARTIN E BYSTROM3 | 333 OVERLOOK LANE GULPH MILLS, PA 19428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $286 | — | $286 | 0.07% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE,INC | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $221 | — | $221 | 0.05% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | TRANSAMERICA LIFE INSURANCE COMPANY | $42K | — | $42K | 24.24% |
| FRANCIS J GRUBE III3 | 1424 GABRIEL LANE WARWICK, PA 18974 | TRANSAMERICA LIFE INSURANCE COMPANY | $16K | — | $16K | 9.04% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS COMMUNICATION | ONE BELMONT AVE. STE 304 GSB BUILDING BALA CYNWYD, PA 19004 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.91% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | TRANSAMERICA LIFE INSURANCE COMPANY | $428 | — | $428 | 0.25% |
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 | 1,955 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 60 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,022 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 3,531 | $17.9M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 3,384 | $1.7M |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 3,384 | $1.8M |
| Short-term disability(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 3,384 | $2.1M |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 3,384 | $1.7M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,730 | $1.0M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,384 | $874K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,531 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.