| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIERS INSURANCE3 | 2222 S 12TH STREET ALLENTOWN, PA 18103 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $37K | — | $37K | 3.53% |
| MIERS INSURANCE3 Filed as: MIERS INSURANCE INC | 2222 S 12TH STREET ALLENTOWN, PA 18103 | AEGIS SECURITY INSURANCE COMPANY | $19K | — | $19K | 8.00% |
| CONSOLIDATED BENEFITS INC3 | 2500 ELMERTON AVENUE HARRISBURG, PA 17110 | AEGIS SECURITY INSURANCE COMPANY | $7K | — | $7K | 3.00% |
| AEGIS GENERAL INSURANCE AGENCY3 Filed as: AEGIS GENERAL INSURANCE AGENCY INC | 4507 NORTH FRONT STREET, SUITE 200 HARRISBURG, PA 17110 | AEGIS SECURITY INSURANCE COMPANY | $7K | — | $7K | 2.75% |
| MIERS INSURANCE3 | 2222 S 12TH STREET ALLENTOWN, PA 18103 | DELTA DENTAL OF PENNSLYVANIA | $3K | — | $3K | 5.00% |
| MIERS INSURANCE3 | 2222 S 12TH STREET ALLENTOWN, PA 18103 | USABLE LIFE | $3K | — | $3K | 9.89% |
| CONSOLIDATED BENEFITS INC3 | PO BOX 774232 HARRISBURG, PA 17177 | USABLE LIFE | $1K | — | $1K | 4.24% |
| MIERS INSURANCE3 | 2222 S 12TH STREET ALLENTOWN, PA 18103 | USABLE LIFE | $3K | — | $3K | 11.75% |
| CONSOLIDATED BENEFITS INC3 | PO BOX 774232 HARRISBURG, PA 17177 | USABLE LIFE | $1K | — | $1K | 5.04% |
| CONSOLIDATED BENEFITS INC3 | PO BOX 774232 HARRISBURG, PA 17177 | USABLE LIFE | $4K | — | $4K | 20.00% |
| MIERS INSURANCE3 | 2222 S 12TH STREET ALLENTOWN, PA 18103 | USABLE LIFE | $2K | — | $2K | 10.00% |
| MIERS INSURANCE3 | 2222 S 12TH STREET ALLENTOWN, PA 18103 | USABLE LIFE | $1K | — | $1K | 9.87% |
| CONSOLIDATED BENEFITS INC3 | PO BOX 774232 HARRISBURG, PA 17117 | USABLE LIFE | $594 | — | $594 | 4.23% |
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 | 235 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSLYVANIA | 225 | $69K |
| Life insurance(2 contracts) | USABLE LIFE | 106 | $35K |
| Short-term disability | USABLE LIFE | 106 | $27K |
| Long-term disability | USABLE LIFE | 106 | $25K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 99 | $188K |
| Other(2 contracts, 2 carriers) | AEGIS SECURITY INSURANCE COMPANY | 235 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.