| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 NORTH PIMA RD STE 210 SCOTTSDALE, AZ 85260 | SYMETRA LIFE INSURANCE COMPANY | $0 | $18K | $18K | 3.15% |
| BSI CORPORATE BENEFITS LLC3 | 79 WEST MARKET ST SUITE 400 BETHLEHEM, PA 18018 | HARTFORD LIFE AND ACCIDENT | $12K | $1K | $14K | 4.59% |
| RONALD DAVIS4 | 1015 SIVELY ST HANOVER TOWNSHIP, PA 18706 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $33 | $0 | $33 | 3.92% |
| STEVE VAN KOUTEREN3 | 1936 W WASHINGTON ST ALLENTOWN, PA 18104 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $22 | $0 | $22 | 2.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $258K |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 ADMIN | Claims processing Service code 12 | — | $17K |
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 | 674 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 691 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GEISINGER HEALTH PLAN | 151 | $1.1M |
| Dental | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | 32 | $7K |
| Vision | VISION BENEFITS OF AMERICA | 293 | $17K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 674 | $296K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 674 | $296K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 674 | $296K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 507 | $583K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 674 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 674 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.