| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | AETNA LIFE INSURANCE CO. | $37K | — | $37K | 3.07% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC | ATTN COMMISSIONS DEPARTMENT BLUE BELL, PA 19422 | GEISINGER HEALTH PLAN | $11K | $6 | $11K | 2.13% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 383 US ROUTE 1 STE 1E SCARBOROUGH, ME 04074 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 7.28% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC | ATTN COMMISSIONS DEPARTMENT BLUE BELL, PA 19422 | GEISINGER QUALITY OPTIONS, INC. | $864 | $6 | $870 | 1.50% |
| ONESOURCE BENEFIT SOLUTIONS3 | 755 PARK HILL RD MOUNTAIN TOP, PA 18707 | GEISINGER HEALTH PLAN | $2K | $30 | $2K | 7.03% |
| ONESOURCE BENEFIT SOLUTIONS3 | 755 PARK HILL RD MOUNTAIN TOP, PA 18707 | GEISINGER QUALITY OPTIONS, INC. | $360 | $30 | $390 | 3.51% |
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 | 236 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 255 | $1.8M |
| Dental | AETNA LIFE INSURANCE CO. | 255 | $1.2M |
| Life insurance | STANDARD INSURANCE COMPANY | 221 | $113K |
| Short-term disability | STANDARD INSURANCE COMPANY | 221 | $113K |
| Long-term disability | STANDARD INSURANCE COMPANY | 221 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.