| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK G. CORNISH3 | 101 SUMMER HILL STREET ST. DAVIDS, PA 190874767 | HARTFORD LIFE AND ACCIDENT | $70K | — | $70K | 7.50% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | MARSH AND MCLENNAN AGENCY LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | AETNA HEALTH, INC. | — | $2K | $2K | 1.99% |
| MARK G. CORNISH3 | 101 SUMMER HILL STREET ST. DAVIDS, PA 190874767 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 7.50% |
| MARK G. CORNISH3 | 101 SUMMER HILL STREET ST. DAVIDS, PA 190874767 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 7.50% |
| UMR, INC.3 Filed as: UMR INC. | 115 WEST WAUSAU AVENUE WAUSAU, WI 54401 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 4.76% |
| MARK G. CORNISH3 | 101 SUMMER HILL ST. DAVIDS, PA 190874767 | HARTFORD LIFE AND ACCIDENT | $437 | — | $437 | 4.99% |
| UMR, INC.3 Filed as: UMR INC. | 115 WEST WAUSAU AVENUE WAUSAU, WI 54401 | HARTFORD LIFE AND ACCIDENT | $238 | — | $238 | 2.72% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 357 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 352 | $1.2M |
| Prescription drug | KEYSTONE HEALTH PLAN EAST | 28 | $48K |
| Other(4 contracts) | HARTFORD LIFE AND ACCIDENT | 352 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.