| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR STR II STE 305 ELMWOOD PARK, NJ 07407 | HARTFORD LIFE AND ACCIDENT | $4K | $3K | $7K | 13.36% |
| APERTURE CONSULTING, LLC3 Filed as: APERTURE CONSULTING INC. | 250 E BEAVER AVE STE 756 STATE COLLEGE, PA 16801 | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | NATIONAL VISION ADMINISTRATORS, L.L.C. | — | $0 | $0 | 0.00% |
| APERTURE CONSULTING, LLC3 | 210 W HAMILTON AVE STE 327 STATE COLLEGE, PA 16801 | NATIONAL VISION ADMINISTRATORS, L.L.C. | — | $0 | $0 | 0.00% |
| CHRISTINA SLEBODA/CASCADE FINANCIAL3 | 427 BROAD ST MONTROUSVILLE, PA 17754 | AMERICAN NATIONAL INSURANCE COMPANY | $138 | $0 | $138 | 1.62% |
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 | 96 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 223 | $53K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 220 | $11K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 152 | $64K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 152 | $56K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 152 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.