| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILVER BEECH CONSULTING GROUP3 Filed as: SILVER BEECH CONSLTING GRP LLC | PO BOX 148 MECHANICSBURG, PA 17055 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $183K | $55K | $239K | 8.63% |
| SILVER BEECH CONSULTING GROUP3 | PO BOX 148 MECHANICSBURG, PA 17055 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $98K | $35K | $132K | 6.77% |
| INDEPENDENCE PLANNING GROUP3 Filed as: INDEPENDENCE UNDERWRITING PARTNERS | 101 E. LANCASTER AVENUE SUITE 301 WAYNE, PA 19087 | UNUM GROUP | $38K | $38K | $77K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 1166 AVENUE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 25.00% |
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 | 15,454 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,942 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 16,586 | $2.8M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 11,581 | $2.0M |
| Stop-loss / reinsurancereinsurance | UNUM GROUP | 12,836 | $769K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 16,586 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,586 | — |
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.