| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WADE FINANCIAL INC.3 | 1225 SCARLETT OAK DRIVE CHALFONT, PA 18914 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 3.43% |
| DELAWARE VALLEY HEALTH CARE Filed as: DELAWARE VALLEY HEALTH COALITION | — | DELTA DENTAL OF PENNSYLVANIA | $525 | — | $525 | 0.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE BLUE CROSS EIN 23-0370270 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $1.4M |
| SHEET METAL WORKERS LOC,19 PENSION EIN 23-1494364 RELATED PARTY | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $1.2M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $222K |
| BENECARD EIN 22-2998772 NONE | Direct payment from the plan; Other services Service code 49 | — | $168K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $125K |
| THE MCKEOGH COMPANY EIN 23-3003375 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $86K |
| STONERIDGE INVESTMENT ADVISORS EIN 25-1841566 NONE | Soft dollars commissions; Investment management; Investment management fees paid directly by plan Service code 28 | — | $50K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $32K |
| CHARTWELL INVESTMENT PARTNERS EIN 23-2891243 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $27K |
| SUSANIN,WIDMAN & BRENNAN, PC EIN 23-2265950 NONE | Legal; Direct payment from the plan Service code 29 | — | $26K |
| SPEAR WILDERMAN,PC EIN 23-2749511 NONE | Legal; Direct payment from the plan Service code 29 | — | $25K |
| NATIONAL VISION ADMINISTRATORS EIN 74-3033381 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $18K |
| SEGAL ADVISORS EIN 13-2646110 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $15K |
| WELLS FARGO EIN 94-1347393 NONE | Direct payment from the plan Service code 50 | — | $14K |
| BOYD WATTERSON ASSET MGMT LLC NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 500 WEST MONROE STREET CHICAGO, IL 60661 | $5K |
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 | 1,906 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,378 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF PENNSYLVANIA | 469 | $277K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,868 | $234K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 2,218 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,218 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.