| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED INS & FINANCIAL SERVICES3 | 28 MAIN STREET PO BOX 327 TOWANDA, PA 18848 | EXCELLUS BLUE CROSS BLUE SHIELD | $89K | — | $89K | 3.32% |
| ASSOCIATED INSURANCE & FINANCIAL SE3 | 28 MAIN STREET PO BOX 327 TOWANDA, PA 18848 | SUN LIFE AND HEALTH INSURANCE | $10K | — | $10K | 14.72% |
| ASSOCIATED INS & FINANCIAL SERVICES3 | 28 MAIN STREET PO BOX 327 TOWANDA, PA 18848 | SUN LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 4.00% |
| ASSOCIATED INS & FINANCIAL SERVICES3 Filed as: ASSOCIATED INS. & FINANCIAL SERVICE | 28 MAIN STREET PO BOX 327 TOWANDA, PA 18848 | EXCELLUS BLUE CROSS CLUE SHIELD | $430 | — | $430 | 2.00% |
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 | 201 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 201 | $2.7M |
| Dental | EXCELLUS BLUE CROSS CLUE SHIELD | 208 | $22K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE | 238 | $69K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 256 | $43K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE | 238 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.