| 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 | $21K | — | $21K | 5.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS AND BLUE SHEILD EIN 23-7391136 NONE | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $210K |
| MARIA AMICO EIN 22-1522177 EMPLOYEE OF RELATED ORG | Employee (plan) Service code 30 | — | $67K |
| FIRST ACTUARIAL CONSULTING, INC. EIN 26-3842522 ACTUARY OF RELATED ORG | Actuarial Service code 11 | — | $32K |
| WEAVER AND TIDWELL, LLP EIN 75-0783616 ACCOUNTANT OF RELATED ORG | Accounting (including auditing) Service code 10 | — | $25K |
| COUNSEL ADVISORS, INC. EIN 93-2423182 NONE | Consulting (general) Service code 16 | — | $14K |
| PROSKAUER ROSE, LLP EIN 13-1840454 LAWYER OF RELATED ORG | 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 | 350 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 350 | $380K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.