| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCKINGHAM INSURANCE SERVICES, INC. Filed as: BUCKINGHAM INSURANCE SERVICES | 510 HYDE PARK DOYLESTOWN, PA 18902 | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | $22K | — | $22K | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 NONE | Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $302K |
| BUCHBINDER TUNICK & CO. LLP EIN 13-1578842 ACCOUNTANT OF RELATED ORG | Accounting (including auditing) Service code 10 | — | $25K |
| ORANSKY, SCARAGGI & BORG, PC EIN 22-3522685 NONE | Legal Service code 29 | — | $8K |
| SLEVIN & HART, PC EIN 52-1708613 NONE | Legal Service code 29 | — | $8K |
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 | 382 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 348 | $367K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.