| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIERS INSURANCE GROUP3 | 2222 S 12TH STREET ALLENTOWN, PA 18103 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $38K | — | $38K | 3.44% |
| MIERS INSURANCE3 | 2222 S 12TH STREET ALLENTOWN, PA 18103 | AEGIS SECURITY INSURANCE COMPANY | $13K | — | $13K | 8.00% |
| CONSOLIDATED BENEFITS INC3 | 2500 ELMERTON AVENUE HARRISBURG, PA 17110 | AEGIS SECURITY INSURANCE COMPANY | $5K | — | $5K | 3.00% |
| AEGIS GENERAL INSURANCE AGENCY Filed as: AEGIS GENERAL INSURANCE AGENCY INC | 2407 PARK DRIVE HARRISBURG, PA 17110 | AEGIS SECURITY INSURANCE COMPANY | $3K | — | $3K | 2.00% |
| MIERS INSURANCE3 Filed as: MIERS INSURANCE INC | 2222 S 12TH STREET ALLENTOWN, PA 18103 | DELTA DENTAL OF PENNSYLVANIA | $4K | — | $4K | 5.00% |
| MIERS INSURANCE3 | 2222 S 12TH STREET ALLENTOWN, PA 18103 | USABLE LIFE | $3K | — | $3K | 11.27% |
| CONSOLIDATED BENEFITS INC3 | PO BOX 774232 HARRISBURG, PA 17177 | USABLE LIFE | $1K | — | $1K | 4.83% |
| CONSOLIDATED BENEFITS INC3 | PO BOX 774232 HARRISBURG, PA 17177 | USABLE LIFE | $5K | — | $5K | 20.00% |
| MIERS INSURANCE3 | 2222 S 12TH STREET ALLENTOWN, PA 18103 | USABLE LIFE | $3K | — | $3K | 10.00% |
| MIERS INSURANCE3 | 2222 S 12 TH STREET ALLENTOWN, PA 18103 | USABLE LIFE | $2K | — | $2K | 9.56% |
| CONSOLIDATED BENEFITS INC3 | PO BOX 774232 HARRISBURG, PA 17177 | USABLE LIFE | $1K | — | $1K | 4.10% |
| MIERS INSURANCE3 | 2222 S 12TH STREET ALLENTOWN, PA 18103 | USABLE LIFE | $2K | — | $2K | 9.74% |
| CONSOLIDATED BENEFITS INC3 | PO BOX 774232 HARRISBURG, PA 17177 | USABLE LIFE | $702 | — | $702 | 4.17% |
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 | 95 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 219 | $73K |
| Life insurance | USABLE LIFE | 107 | $17K |
| Short-term disability | USABLE LIFE | 107 | $26K |
| Long-term disability | USABLE LIFE | 107 | $29K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 98 | $160K |
| Other(3 contracts, 2 carriers) | AEGIS SECURITY INSURANCE COMPANY | 233 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.