| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN RODIA3 | 1514 WOODLAND ROAD WEST CHESTER, PA 19382 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $41K | — | $41K | 7.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| USW DISTRICT 10 LOCAL 286 UNION EIN 23-0724665 SPONSORING LABOR ORG. | Direct payment from the plan; Plan Administrator Service code 14 | — | $605K |
| CONNER STRONG COMPANIES EIN 21-0718159 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $103K |
| CARLO SIMONE, III. EIN 23-0724665 EMPLOYEE | Recordkeeping fees; Other fees; Employee (plan) Service code 30 | — | $99K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $34K |
| SOBOL GROUP, P.C. EIN 36-4509261 NONE | Legal; Direct payment from the plan Service code 29 | — | $32K |
| SPEAR WILDERMAN PC EIN 23-2749511 LEGAL COUNSEL TO USW L286 | Legal; Direct payment from the plan Service code 29 | — | $32K |
| BOYD WATTERSON ASSET MANAGEMENT LLC EIN 34-1922005 NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $11K |
| XPAN LAW PARTNERS, LLC EIN 81-5145649 NONE | Legal; Direct payment from the plan Service code 29 | — | $11K |
| WEDGE CAPITAL MANAGEMENT EIN 56-1557450 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $8K |
| HEALTH ADVOCATE SOLUTIONS, INC. EIN 23-3080019 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $7K |
| INVESTMENT PERFORMANCE SERVICES EIN 58-2432390 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $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 | 1,750 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,750 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 2,453 | $445K |
| Vision | INDEPENDENCE BLUE CROSS | 2,453 | $798K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,840 | $528K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,840 | $528K |
| Prescription drug(3 contracts, 3 carriers) | KEYSTONE HEALTH PLAN EAST | 3,963 | $20.1M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,840 | $528K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,963 | — |
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.