| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIERS INSURANCE GROUP3 | 2222 SOUTH 12TH ST ALLENTOWN, PA 18103 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $44K | — | $44K | 3.34% |
| MIERS INSURANCE3 Filed as: MIERS INSURANCE INC | 2222 SOUTH 12TH STREET ALLENTOWN, PA 18103 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 15.00% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $52 | $52 | 0.04% |
| MIERS INSURANCE3 Filed as: MIERS INSURANCE INC | 2222 SOUTH 12TH STREET ALLENTOWN, PA 18103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 4.32% |
| FINANCIAL BALANCE GROUP LLC | 1355 PICARD DR S380 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $15 | $15 | 0.02% |
| MIERS INSURANCE3 Filed as: MIERS INSURANCE INC | 2222 S 12TH STREET ALLENTOWN, PA 18103 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.00% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $20 | $20 | 0.04% |
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 | 153 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 104 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $71K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 104 | $1.3M |
| Life insurance(2 contracts) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 153 | $172K |
| Long-term disability(2 contracts) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 153 | $172K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 104 | $1.3M |
| Other(2 contracts) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 153 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.