| 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 | $93K | — | $93K | 2.72% |
| ROBERT BERGMAN3 | 11 S. ADAMS AVE. UNIT 1 MARGATE, NJ 08402 | HM LIFE INSURANCE COMPANY | $49K | — | $49K | 3.50% |
| FIRST INSURANCE3 Filed as: FIRST BENEFITS LLC | 435 DEVON PARK DR. STE 410 WAYNE, PA 19087 | AMALGAMATED LIFE INSURANCE COMPANY | $14K | — | $14K | 4.00% |
| MICHAEL PERZEL3 | 64 GREEN VALLEY DRIVE CHURCHVILLE, PA 18966 | AMALGAMATED LIFE INSURANCE COMPANY | $14K | — | $14K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE BLUE CROSS EIN 23-2184623 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.4M |
| GUARDIAN NURSES EIN 57-1187937 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $241K |
| BENECARD SERVICES, INC. EIN 22-2998772 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $225K |
| MICHAEL PREVITERA EIN 91-2036994 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $204K |
| 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 | — | $166K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $138K |
| ROBYN SIMPSON EIN 91-2036994 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $121K |
| FIDELIO INSURANCE COMPANY EIN 23-2436056 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $106K |
| REBECCA FLETCHER EIN 91-2036994 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $99K |
| KERRI BURKE EIN 91-2036994 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $99K |
| RECOVERY CENTERS OF AMERICA NONE | Other services; Direct payment from the plan Service code 49 | 2701 RENAISSANCE BLVD. 4TH FLOOR KING OF PRUSSIA, PA 19406 | $96K |
| PEG HANDLEY EIN 91-2036994 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $75K |
| CHARTWELL INVESTMENT PARTNERS LLC EIN 36-4776242 NONE | Investment management; Investment management fees paid directly by plan; Soft dollars commissions Service code 28 | — | $67K |
| ALLIED TRADES ASSISTANCE PROGRAM EIN 23-2591093 NONE | Direct payment from the plan; Other services Service code 49 | — | $56K |
| JENNINGS SIGMOND, P.C. NONE | Legal; Direct payment from the plan Service code 29 | 1835 MARKET STREET 2800 PHILADELPHIA, PA 19103 | $53K |
| ANNETTE GASPARON EIN 91-2036994 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $53K |
| TANYA MCLAUGHLIN EIN 91-2036994 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $46K |
| WILLIAM VARRA EIN 91-2036994 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $46K |
| MARY TOLL EIN 91-2036994 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $45K |
| CRAIG SOCKET EIN 91-2036994 EMPLOYEE | Employee (plan) Service code 30 | — | $44K |
| BRIAN SMITH EIN 91-2036994 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $41K |
| SUMMIT ACTUARIAL SERVICES NONE | Direct payment from the plan; Actuarial Service code 11 | 115 N. CHURCH STREET MOORESTOWN, NJ 08057 | $40K |
| SENECA CONSULTING GROUP NONE | Direct payment from the plan; Consulting (general) Service code 16 | 960 WHEELER ROAD, SUITE 5367 HAUPPAUGE, NY 11788 | $26K |
| MALVERN INSTITUTE NONE | Direct payment from the plan; Consulting (general) Service code 16 | 940 W. KING ROAD MALVERN, PA 19355 | $25K |
| AMBROSIA OF THE PALM BEACH NONE | Consulting (general); Direct payment from the plan Service code 16 | 2301 E ALLEGHENY AVE PHILADELPHIA, PA 19134 | $25K |
| PROSUPPORT SYSTEMS NONE | Consulting (general); Direct payment from the plan Service code 16 | 327 MONTGOMERY AVE. BALA CYNWYD, PA 19004 | $24K |
| LIVENGRIN FOUNDATION EIN 23-1668916 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $22K |
| TEMPLE UNIVERSITY HOSPITAL EIN 23-2825878 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $21K |
| NATIONAL VISION ADMINISTRATORS LLC EIN 74-3033381 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $20K |
| BOVARNICK & ASSOCIATES NONE | Direct payment from the plan; Legal Service code 29 | 100 N. 18TH STREET PHILADELPHIA, PA 19103 | $19K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $18K |
| SPEAR WILDERMAN EIN 23-2749511 NONE | Legal; Direct payment from the plan Service code 29 | — | $17K |
| CHARLSON, BRABER, MCCABE & DENMARK EIN 81-3679705 NONE | Legal; Direct payment from the plan Service code 29 | — | $16K |
| HUNTINGTON CREEK RECOVERY CENTER NONE | Direct payment from the plan; Other services Service code 49 | 890 BETHEL HILL RD. SHICKSHINNY, PA 18655 | $14K |
| PNC BANK EIN 25-1211909 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $14K |
| CANON FINANCIAL SERVICES, INC. NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 158 GAITHER DR. MT. LAUREL, NJ 08054 | $12K |
| WELL FARGO ADVISORS NONE | Custodial (securities); Direct payment from the plan Service code 19 | 955 CHESTERBROOK BLVD. SUITE 320 CHESTERBROOK, PA 19087 | $12K |
| BROOKE GLEN BEHAVIORAL HOSPITAL NONE | Other services; Direct payment from the plan Service code 49 | 7170 LAFAYETTE AVE. FORT WASHINGTON, PA 19034 | $11K |
| INDEC CORPORATION EIN 22-2405857 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $11K |
| HEAR USA NONE | Direct payment from the plan; Claims processing Service code 12 | 210 YOUNG AVE. MOORESTOWN, NJ 08057 | $10K |
| DELAWARE VALLEY HEALTH CARE COALIT. EIN 23-2813763 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $8K |
| FRIENDS HOSPITAL NONE | Direct payment from the plan; Other services Service code 49 | 4641 ROOSEVELT BLVD. PHILADELPHIA, PA 19124 | $7K |
| ADP NONE | Other services; Direct payment from the plan Service code 49 | 1 ADP BLVD. ROSELAND, NJ 07068 | $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 | 2,025 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 741 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,766 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED AMERICAN INSURANCE COMPANY | 724 | $4.4M |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 2,256 | $344K |
| Prescription drug | UNITED AMERICAN INSURANCE COMPANY | 724 | $3.4M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 2,376 | $1.4M |
| Other | UNITED AMERICAN INSURANCE COMPANY | 724 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,376 | — |
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.