| 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 | $109K | — | $109K | 2.57% |
| STEALTH PARTNER GROUP LLC Filed as: STEALTH PARTNER GROUP, LLC | 18700 N. HAYDEN ROAD, SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $104K | — | $104K | 5.95% |
| FIRST INSURANCE3 Filed as: FIRST BENEFITS LLC | 435 DEVON PARK DR. STE 410 WAYNE, PA 19087 | AMALGAMATED LIFE INSURANCE COMPANY | $13K | — | $13K | 4.00% |
| KELLY/PERZEL INSURANCE, LLC3 | 212 W. MAIN STREET TRAPPE, PA 19426 | AMALGAMATED LIFE INSURANCE COMPANY | $13K | — | $13K | 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 |
| ALLIED TRADES ASSISTANCE PROGRAM EIN 23-2591093 NONE | Other services; Direct payment from the plan Service code 49 | — | $1.1M |
| GUARDIAN NURSES EIN 57-1187937 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $392K |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796473 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $301K |
| BENECARD SERVICES, INC. EIN 22-2998772 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $250K |
| MICHAEL PREVITERA EIN 91-2036994 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $202K |
| FIDELIO INSURANCE COMPANY EIN 23-2436056 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $149K |
| ROBYN SIMPSON EIN 91-2036994 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $136K |
| KERRI BURKE EIN 91-2036994 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $117K |
| REBECCA FLETCHER EIN 91-2036994 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $114K |
| ANNETTE GASPARON EIN 91-2036994 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $108K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $101K |
| PEG HANDLEY EIN 91-2036994 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $84K |
| CONOR WATTON EIN 91-2036994 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $74K |
| CHARTWELL INVESTMENT PARTNERS LLC EIN 36-4776242 NONE | Investment management fees paid directly by plan; Soft dollars commissions; Investment management Service code 28 | — | $69K |
| TANYA MCLAUGHLIN EIN 91-2036994 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $67K |
| MARY TOLL EIN 91-2036994 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $54K |
| TERESA MCDONOUGH EIN 91-2036994 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $46K |
| SUMMIT ACTUARIAL SERVICES EIN 11-4385930 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $40K |
| MWM LAW LLC EIN 22-1981248 NONE | Legal; Direct payment from the plan Service code 29 | — | $38K |
| VICTORIA SOMERS EIN 91-2036994 EMPLOYEE | Direct payment from the plan Service code 50 | — | $37K |
| CRAIG SOCKET EIN 91-2036994 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $34K |
| CHARLSON, BRABER, MCCABE & DENMARK EIN 81-3679705 NONE | Legal; Direct payment from the plan Service code 29 | — | $31K |
| 617MEDIAGROUP EIN 90-1252805 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $29K |
| SPEAR WILDERMAN EIN 23-2749511 NONE | Legal; Direct payment from the plan Service code 29 | — | $28K |
| XPAN LAW PARTNERS LLP EIN 85-4348013 NONE | Other services; Direct payment from the plan Service code 49 | — | $25K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $18K |
| PNC BANK EIN 25-1211909 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $14K |
| NATIONAL VISION ADMINISTRATORS LLC EIN 74-3033381 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $12K |
| DELAWARE VALLEY HEALTH CARE COALIT. EIN 23-2813763 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $12K |
| CANON FINANCIAL SERVICES, INC. EIN 13-2561772 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $9K |
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 | 2,312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,213 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED AMERICAN INSURANCE COMPANY | 872 | $4.4M |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 2,263 | $324K |
| Prescription drug | UNITED AMERICAN INSURANCE COMPANY | 872 | $4.2M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 2,185 | $1.8M |
| Other | UNITED AMERICAN INSURANCE COMPANY | 872 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,263 | — |
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.