| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BODNER BENEFITS GROUP INC3 | 4 CRY CT NEW CITY, NY 10956 | DELTA DENTAL OF PENNSYLVANIA | $48K | — | $48K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CROSSROADS HEALTHCARE MGMT LLC EIN 74-3064316 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $612K |
| GUARDIAN NURSES HEALTHCARE ADVOCATE NONE | Other services; Direct payment from the plan Service code 49 | PO BOX 224 FLOURTOWN, PA 19031 | $277K |
| ANTHEM BLUE CROSS EIN 23-7391136 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $165K |
| FRIEDMAN AND ANSPACH EIN 13-3403675 NONE | Legal; Direct payment from the plan Service code 29 | — | $121K |
| WEAVER AND TIDWELL, L.L.P. EIN 75-0786316 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $62K |
| CALIBRE CPA GROUP, PLLC EIN 47-0900880 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $40K |
| MAGNACARE ADMINISTATIVE SERVICES EIN 11-3410766 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $40K |
| HEALTH ADVOCATE SOLUTIONS, INC. NONE | Direct payment from the plan; Other services Service code 49 | 3043 WALTON ROAD PLYMOUTH MEETING, PA 19642 | $31K |
| DAVID R. PFAFF, M.D. EIN 13-3687263 NONE | Direct payment from the plan; Other services Service code 49 | — | $24K |
| REYNOLDS CONSULTING SERVICES LLC EIN 20-1899564 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $19K |
| DD SERVICES, INC EIN 11-2705347 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $14K |
| SUMMIT ACTUARIAL SERVICES EIN 20-3838633 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $14K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Investment management; Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $10K |
| CHARLIE N. HALL SR. EIN 22-6062974 TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | — | $9K |
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 | 1,532 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 863 | $483K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 863 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.