| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBEN INSURANCE SOLUTIONS INC3 | 24 EAST 2ND STREET 1ST FLOOR MEDIA, PA 19063 | HARTFORD LIFE AND ACCIDENT | $23K | $3K | $27K | 4.47% |
| PAUL A MARKOWICH3 | 708 MOUNT PLEASANT ROAD BRYN MAWR, PA 19010 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 1.64% |
| FIRSTRUST FINANCIAL RESOURCES3 Filed as: FIRSTRUST FINANCIAL RESOURCES LLC | 15 E RIDGE PIKE CONSHOHOCKEN, PA 19428 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 0.98% |
| CAMMACK HEALTH LLC3 | 1 BATTERY PARK PLAZA 6TH FLOOR NEW YORK, NY 10004 | UNITED HEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 5.16% |
| TRIBEN INSURANCE SOLUTIONS INC3 | 24 EAST 2ND STREET 1ST FLOOR MEDIA, PA 19063 | HARTFORD LIFE AND ACCIDENT | $29K | $2K | $31K | 8.46% |
| PAUL A MARKOWICH3 | 708 MOUNT PLEASANT ROAD BRYN MAWR, PA 19010 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 3.31% |
| FIRSTRUST FINANCIAL RESOURCES3 Filed as: FIRSTRUST FINANCIAL RESOURCES LLC | 15 E RIDGE PIKE CONSHOHOCKEN, PA 19428 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 1.99% |
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 | 4,307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 8,710 | $374K |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 3,149 | $958K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,307 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,710 | — |
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.