| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | — | HIGHMARK INC | $11K | — | $11K | 2.12% |
| FAIRMOUNT BENEFITS INC3 Filed as: FAIRMOUNT BENEFITS INC. | — | GEISINGER QUALITY OPTIONS, INC. | $7K | — | $7K | 3.00% |
| FAIRMOUNT BENEFITS INC3 | TWO RADNOR CORPORATE CENTER SUITE 1 19057 RADNOR, PA 19087 | GEISINGER HEALTH PLAN | $4K | — | $4K | 3.00% |
| FAIRMOUNT BENEFITS INC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $5K | $11K | 13.12% |
| FAIRMOUNT BENEFITS INC3 Filed as: FAIRMOUNT BENEFITS INC. | TWO RADNOR CORPORATE CENTER RADNOR, PA 19087 | THE UNION LABOR LIFE INSURANCE COMPANY | $3K | — | $3K | 7.52% |
| THE MEGRO CORPORATION3 | ONE FIRST AVENUE CONSHOHOCKEN, PA 19428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $317 | — | $317 | 2.88% |
| ARDENA L MCVICKER3 | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | $19 | $172 | 1.56% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 207 N ABERDEEN AVE WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 1.14% |
| FAIRMOUNT BENEFITS INC3 | TWO RADNOR CORPORATE CENTER RADNOR, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.73% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $1 | $74 | 0.67% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $4 | $42 | 0.38% |
| GARY D DAVIS3 | 1 ARCTURUS DRIVE SEWELL, NJ 08080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.26% |
| BROKERAGE CONCEPTS INC3 | PO BOX 742 BLUE BELL, PA 19422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.17% |
| ANDREA MARIE TIERCE3 Filed as: ANDREA L MCVICKER | 73 KATYDID LANE MORGANTOWN, PA 19543 | THE PAUL REVERE LIFE INSURANCE COMPANY | $28 | $5 | $33 | 5.58% |
| THE MEGRO CORPORATION3 Filed as: THE MEGRO GROUP | ONE FIRST AVENUE CONSHOHOCKEN, PA 19428 | THE PAUL REVERE LIFE INSURANCE COMPANY | $31 | — | $31 | 5.25% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | THE PAUL REVERE LIFE INSURANCE COMPANY | $24 | — | $24 | 4.06% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | — | $7 | 1.18% |
| FAIRMOUNT BENEFITS INC3 Filed as: FAIRMOUNT BENEFITS | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.68% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | HIGHMARK INC | 185 | $881K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $81K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $81K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 348 | $118K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 348 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.