| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 4.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $960 | $8K | 10.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.00% |
| SJC BUSINESS SERVICES LLC3 Filed as: SJC BUSINEES SERVICES LLC | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $3K | $73 | $3K | 5.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $2K | $0 | $2K | 3.05% |
| BRIAN JOSEPH CAMPO3 Filed as: BRIAN JOSEPH CAMPO AND OTHER AGENTS | 1726 BECKER ROAD GREEN LANE, PA 18054 | AFLAC | $1K | $40 | $1K | 2.11% |
| CALEB RUSSELL SMITH3 | 202 GREEN HILL ROAD BARTO, PA 19504 | AFLAC | $425 | $29 | $454 | 0.74% |
| EDWARD F MROWKA JR3 Filed as: EDWARD F. MROWKA JR. | 5106 TIMBER LANE SCHNECKSVILLE, PA 18078 | AFLAC | $449 | $0 | $449 | 0.73% |
| MATTHEW T OHANLON3 Filed as: MATTHEW T. OHANLON | 101 WEST ELM STREET, SUITE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $301 | $16 | $317 | 0.51% |
| JACQUELINE M EBERZ3 Filed as: JACQUELINE M. EBERZ | 98 LAMP POST ROAD NEW BRITAIN, PA 18901 | AFLAC | $264 | $0 | $264 | 0.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD RADNOR, PA 19087 | VISION SERVICE PLAN | $484 | $0 | $484 | 3.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $392 | $0 | $392 | 3.19% |
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 | 360 | 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) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $84K |
| Vision | VISION SERVICE PLAN | 184 | $12K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 360 | $75K |
| Short-term disability | AFLAC | 63 | $62K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 360 | $75K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 360 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.