| 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 | $116K | — | $116K | 2.45% |
| ROBERT BERGMAN3 | 11 S. ADAMS AVENUE, UNIT 1 MARGATE CITY, NJ 08402 | AMALGAMATED LIFE INSURANCE COMPANY | $15K | — | $15K | 4.63% |
| FIRST INSURANCE3 Filed as: FIRST BENEFITS LLC | 275 COMMERCE DRIVE, SUITE 301 FORT WASHINGTON, PA 19037 | AMALGAMATED LIFE INSURANCE COMPANY | $4K | — | $4K | 1.35% |
| KELLY/PERZEL INSURANCE, LLC3 | 212 W. MAIN STREET TRAPPE, PA 19426 | AMALGAMATED LIFE INSURANCE COMPANY | $4K | — | $4K | 1.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED TRADES ASSISTANCE PROGRAM EIN 23-2591093 NONE | Other services; Direct payment from the plan Service code 49 | — | $1.3M |
| INDEPENDENCE BLUE CROSS EIN 23-2184623 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $977K |
| GUARDIAN NURSES EIN 57-1187937 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $478K |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796473 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $326K |
| BENECARD SERVICES, INC. EIN 22-2998772 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $252K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $246K |
| MICHAEL PREVITERA EIN 91-2036994 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $218K |
| FIDELIO INSURANCE COMPANY EIN 23-2436056 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $159K |
| ROBYN SIMPSON EIN 91-2036994 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $149K |
| TARA CLARK EIN 91-2036994 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $103K |
| TERESA MCDONOUGH EIN 91-2036994 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $103K |
| REBECCA FLETCHER EIN 91-2036994 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $102K |
| CHARTWELL INVESTMENT PARTNERS LLC EIN 36-4776242 NONE | Investment management fees paid directly by plan; Soft dollars commissions; Investment management Service code 28 | — | $89K |
| KERRI BURKE EIN 91-2036994 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $88K |
| CONOR WATTON EIN 91-2036994 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $86K |
| EMBER IT LLC NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 1019 W 9TH AVE SUITE C KING OF PRUSSIA, PA 19406 | $82K |
| TANYA MCLAUGHLIN EIN 91-2036994 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $72K |
| MWM LAW LLC EIN 22-1981248 NONE | Legal; Direct payment from the plan Service code 29 | — | $64K |
| PEG HANDLEY EIN 91-2036994 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $63K |
| ERICA MILLER EIN 91-2036994 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $63K |
| BRIAN SMITH EIN 91-2036994 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $59K |
| MARY TOLL EIN 91-2036994 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $55K |
| PASCO INVESTMENT ADVISORS INC EIN 22-3326624 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $52K |
| SUMMIT ACTUARIAL SERVICES EIN 11-4385930 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $40K |
| PNC BANK EIN 25-1211909 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $33K |
| 617MEDIAGROUP EIN 90-1252805 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $32K |
| CHARLSON, BRABER, MCCABE & DENMARK EIN 81-3679705 NONE | Legal; Direct payment from the plan Service code 29 | — | $25K |
| NATIONAL VISION ADMINISTRATORS LLC EIN 74-3033381 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $21K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $18K |
| DELAWARE VALLEY HEALTH CARE COALIT. EIN 23-2813763 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $17K |
| SPEAR WILDERMAN EIN 23-2749511 NONE | Legal; Direct payment from the plan Service code 29 | — | $14K |
| CANON FINANCIAL SERVICES, INC. EIN 13-2561772 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $11K |
| CHEIRON, INC. EIN 13-4215617 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $10K |
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 | 4,586 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 849 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INSURANCE COMPANY | 911 | $4.7M |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 2,291 | $329K |
| Prescription drug | UNITED AMERICAN INSURANCE COMPANY | 911 | $4.7M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 4,586 | $3.8M |
| Other | UNITED AMERICAN INSURANCE COMPANY | 911 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,586 | — |
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.