No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FRANK M VACCARRO & ASSOCIATES EIN 23-3013555 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $246K |
| SPEAR WILDERMAN P.C. EIN 23-2331913 NONE | Legal; Direct payment from the plan Service code 29 | — | $18K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $18K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $15K |
| THE MCKEOGH COMPANY EIN 23-3003375 NONE | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $14K |
| WELLS FARGO EIN 41-0449260 NONE | Custodial (securities); Other services; Direct payment from the plan Service code 19 | — | $10K |
| MACKAY SHEILDS LLC EIN 13-2631681 NONE | Other investment fees and expenses; Investment advisory (plan) Service code 27 | — | $10K |
| FOX ROTHSCHILD LLP EIN 23-1404723 NONE | Legal; Direct payment from the plan Service code 29 | — | $7K |
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 | 424 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KEYSTONE HEALTH PLAN EAST | 1,152 | $4.8M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 353 | $51K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 353 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,152 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.