| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID PATCHCOSKI3 | 207 WHITE OAK DR OLYPHANT, PA 18447 | HIGHMARK | $43K | $0 | $43K | 2.95% |
| UNIVERSAL EMPLOYEE BENEFITS SOLUTIO3 Filed as: UNIVERSAL EMPLOYEE BENEFITS SOL | 1000 DUNHAM DR DUNMORE, PA 18512 | HIGHMARK | $4K | $0 | $4K | 0.24% |
| JOHN E JOHNSON3 | 2182 GORDON PATH THE VILLAGES, FL 32163 | COMPANION LIFE | — | — | $0 | 0.00% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 176 | $1.5M |
| Dental | HIGHMARK | 176 | $1.5M |
| Vision | HIGHMARK | 176 | $1.5M |
| Life insurance | COMPANION LIFE | 0 | $2 |
| Other | COMPANION LIFE | 0 | $2 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.