| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KTP ADVISORS, INC.3 Filed as: KTP ADVISORS | 130 BELLEVUE AVE, SUITE 211 NEWPORT, RI 02840 | UNITED AMERICAN INSURANCE COMPANY | $89K | — | $89K | 2.90% |
| ROBERT BERGMAN3 | 11 S. ADAMS AVE. UNIT 1 MARGATE, NJ 08402 | HM LIFE INSURANCE COMPANY | $50K | — | $50K | 3.50% |
| INDECS CORPORATION5 | 1099 WALL STREET WEST SUITE 317 LYNDHURST, NJ 07071 | AETNA SIGNATURE ADMINISTRATORS | — | $42K | $42K | 9.76% |
| HEALTHCARE STRAGETIS5 | PO BOX 37039 BALTIMORE, MD 21297 | AETNA SIGNATURE ADMINISTRATORS | — | $4K | $4K | 0.98% |
| MERITAIN HEALTH5 Filed as: AETNA SIGNATURE ADMINISTRATION | 29742 NETWORK PL. CHICAGO, IL 60673 | AETNA SIGNATURE ADMINISTRATORS | — | — | $0 | 0.00% |
| THE PERZEL AGENCY INC3 Filed as: THE PERZEL AGENCY, INC. | 7338 FRANKFORD AVE PHILADELPHIA, PA 19136 | AMALGAMATED LIFE INSURANCE COMPANY | $14K | — | $14K | 3.98% |
| FIRST INSURANCE3 Filed as: FIRST BENEFITS LLC | 155 N WACKER DRIVE CHICAGO, IL 60606 | AMALGAMATED LIFE INSURANCE COMPANY | $11K | — | $11K | 3.08% |
| MICHAEL PERZEL3 | 64 GREEN VALLEY DRIVE CHURCHVILLE, PA 18966 | AMALGAMATED LIFE INSURANCE COMPANY | $2K | — | $2K | 0.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE BLUE CROSS EIN 23-2184623 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.4M |
| BENECARD SERVICES, INC. EIN 22-2998772 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $262K |
| GUARDIAN NURSES EIN 57-1187937 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $200K |
| INNOVATIVE SOFTWARE SOLUTIONS INC. EIN 23-2182079 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $172K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $146K |
| FIDELIO INSURANCE COMPANY EIN 23-2436056 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $129K |
| BOVARNICK & ASSOCIATES NONE | Direct payment from the plan; Legal Service code 29 | 100 N. 18TH STREET PHILADELPHIA, PA 19103 | $109K |
| SPEAR, WILDERMAN, BORISH & ENDY EIN 23-2749511 NONE | Legal; Direct payment from the plan Service code 29 | — | $109K |
| JOAN ROMAN EIN 91-2036994 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $105K |
| MICHAEL PREVITERA EIN 91-2036994 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $101K |
| KERRI BURKE EIN 91-2036994 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $96K |
| ROBYN SIMPSON EIN 91-2036994 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $74K |
| WILLIAM VARRA EIN 91-2036994 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $71K |
| TANYA MCAUGHLIN EIN 91-2036994 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $62K |
| CHARTWELL INVESTMENT PARTNERS LLC EIN 36-4776242 NONE | Investment management; Investment management fees paid directly by plan; Soft dollars commissions Service code 28 | — | $61K |
| CHARLSON, BRABER, MCCABE & DENMARK EIN 81-3679705 NONE | Legal; Direct payment from the plan Service code 29 | — | $59K |
| ALLIED TRADES ASSISTANCE PROGRAM EIN 23-2591093 NONE | Other services; Direct payment from the plan Service code 49 | — | $58K |
| ANNETTE GASPARON EIN 91-2036994 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $52K |
| MARY TOLL EIN 91-2036994 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $44K |
| BRIAN SMITH EIN 91-2036994 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $40K |
| BPAS ACTUARIAL AND PENSION SERVICES NONE | Actuarial; Direct payment from the plan Service code 11 | 3401 MASONS MILL ROAD - SUITE 601 HUNTINGDON VALLEY, PA 19006 | $40K |
| PROSUPPORT SYSTEMS NONE | Consulting (general); Direct payment from the plan Service code 16 | 327 MONTGOMERY AVE. BALA CYNWYD, PA 19004 | $39K |
| MALVERN INSTITUTE NONE | Direct payment from the plan; Consulting (general) Service code 16 | 940 W. KING ROAD MALVERN, PA 19355 | $33K |
| HEALTH MAP CORPORATION NONE | Consulting (general); Direct payment from the plan Service code 16 | 1 CLEMENTS CT MOUNT LAUREL, NJ 08054 | $27K |
| CRAIG SOCKET EIN 91-2036994 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $26K |
| AMBROSIA OF THE PALM BEACH NONE | Direct payment from the plan; Consulting (general) Service code 16 | 2301 E ALLEGHENY AVE PHILADELPHIA, PA 19134 | $18K |
| NORTHPOINTE CAPITAL LLC EIN 23-3025935 NONE | Direct payment from the plan; Investment management Service code 28 | — | $18K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $18K |
| NATIONAL VISION ADMINISTRATORS LLC EIN 74-3033381 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $17K |
| PNC BANK EIN 25-1211909 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $14K |
| VICTORIA SOMERS EIN 91-2036994 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $14K |
| DELAWARE VALLEY HEALTH CARE COALIT. EIN 23-2813763 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $9K |
| LIVENGRIN FOUNDATION EIN 23-1668916 NONE | Direct payment from the plan Service code 50 | — | $9K |
| P & P CATERING NONE | Other fees; Direct payment from the plan Service code 50 | 2791 SOUTHAMPTON RD. PHILADELPHIA, PA 19154 | $6K |
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 | 2,642 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 781 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED AMERICAN INSURANCE COMPANY | 687 | $3.8M |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 2,342 | $351K |
| Prescription drug | UNITED AMERICAN INSURANCE COMPANY | 687 | $3.1M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 2,311 | $1.9M |
| Other | UNITED AMERICAN INSURANCE COMPANY | 687 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,342 | — |
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.