| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 5.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 5.39% |
| SJC BUSINESS SERVICES LLC3 | PO BOX 84 GREEN LANE, PA 18054 | AFLAC | $4K | $0 | $4K | 5.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $2K | $0 | $2K | 3.20% |
| MJ INSURANCE3 Filed as: CALEB R. SMITH AND VARIOUS AGENTS | 202 GREEN HILL ROAD BARTO, PA 18054 | AFLAC | $1K | $0 | $1K | 1.96% |
| EDWARD F MROWKA JR3 Filed as: EDWARD F. MROWKA JR. | 5106 TIMER LANE SCHNECKSVILLE, PA 18078 | AFLAC | $562 | $0 | $562 | 0.78% |
| BRIAN JOSEPH CAMPO3 | 1726 BECKER ROAD GREEN LANE, PA 18054 | AFLAC | $343 | $0 | $343 | 0.47% |
| JACQUELINE M EBERZ3 Filed as: JACQUELINE M. EBERZ | 98 LAMP POST ROAD NEW BRITAIN, PA 18901 | AFLAC | $334 | $0 | $334 | 0.46% |
| LAUNCHPAD BENEFITS SOLUTIONS LLC3 | 101 WEST ELM STREET, SUITE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $306 | $0 | $306 | 0.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $957 | $0 | $957 | 6.04% |
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 | 356 | 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) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $105K |
| Vision | VISION SERVICE PLAN | 178 | $16K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 356 | $156K |
| Short-term disability | AFLAC | 55 | $72K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 356 | $156K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 356 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.