| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONRAD M. SIEGEL, INC.3 Filed as: CONRAD M SIEGEL INC. | 501 CORPORATE CIRCLE HARRISBURG, PA 17110 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 11.29% |
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 | 1,286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 962 | $701K |
| Vision | VISION BENEFITS OF AMERICA | 846 | $100K |
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,171 | $235K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,171 | $117K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 183 | $70K |
| Stop-loss / reinsurancereinsurance | AVALON INSURANCE COMPANY | 932 | $220K |
| Other(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,171 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,171 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.