| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TALMAS DAVID A3 | 39 PEACH LN LANCASTER, PA 17601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 8.23% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY LLC | 650 N 12TH STREET LEMOYNE, PA 17043 | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 7.00% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY, LLC | 650 NORTH 12TH ST LEMOYNE, PA 17043 | VISION BENEFITS OF AMERICA | $665 | $0 | $665 | 5.00% |
| ASSUREDPARTNERS3 Filed as: GUNN-MOWERY, LLC | 650 N 12TH STREET LEMOYNE, PA 17043 | VISION BENEFITS OF AMERICA | $549 | $0 | $549 | 5.00% |
| DAVID A TALMAS3 Filed as: DAVID TALMAS | 39 PEACH LANE LANCASTER, PA 17601 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | $0 | $0 | — |
| SCOTT IODICE ASSC LLC3 Filed as: SCOTT F STOTHOFF | 6400 MURRAY HILL RD BALTIMORE, MD 21202 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | $0 | $0 | — |
| ANDERS, SMITH & ASSOCIATES, INC SUM3 | 14785 PRESTON RD STE 1000 DALLAS, TX 75254 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | $0 | $0 | — |
| DC TEB OPEN3 | 12 GREENWOOD SHOALS GRASONVILLE, MD 21638 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | $0 | $0 | — |
| RENATE H TODD-KOTLER3 | 107 VALLEY BROOK DR LANCASTER, PA 17601 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | $0 | $0 | — |
| DC TEB OPEN3 Filed as: MD TEB OPEN | 12 GREENWOOD SHOALS GRASONVILLE, MD 21638 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | $0 | $0 | — |
| SCU HOUSE ACCT3 | 1400 CENTERVIEW DR LITTLE ROCK, AR 72211 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | $0 | $0 | — |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 225 SCHILLING CIRCLE STE 150 HUNT VALLEY, MD 21031 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | $0 | $0 | — |
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 | 74 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 76 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 139 | $47K |
| Vision(3 contracts, 2 carriers) | VISION BENEFITS OF AMERICA | 64 | $24K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 60 | $68K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 60 | $68K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 60 | $68K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 60 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.