| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TARTAN INSURANCE AGENCY3 Filed as: TARTAN INSURANCE AGENCY INC | 7260 WEST BOULEVARD YOUNGSTOWN, OH 44512 | COMMUNITY INSURANCE COMPANY | $38K | $2K | $40K | 2.50% |
| MARILYN WYMAN3 | 3309 VACATION LANE SAINT JAMES CITY, FL 161013203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 24.09% |
| LEE PHYLLIS PRESTOPINE3 Filed as: LEE PRESTOPINE | 194 HICKORY VIEW DR NEW CASTLE, PA 16102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 17.77% |
| SMITH BENEFITS CONSULTING GROUP3 | 243 TAMARACK DR. MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.81% |
| SADIE T PRESCOTT3 Filed as: SADIE PRESCOTT | 1130 GREENFIELD DR ERIE, PA 16509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Contract Administrator Service code 13 | 24651 CENTER RIDGE RD 475 WESTLAKE, OH 44145 | $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 | 223 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 154 | $1.6M |
| Dental | CONTINENTAL AMERICAN INSURANCE COMPANY | 69 | $28K |
| Vision | CONTINENTAL AMERICAN INSURANCE COMPANY | 69 | $28K |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 69 | $28K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 69 | $28K |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 69 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.