| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARTMAN EMPLOYEE BENEFITS3 Filed as: HARTMAN EMPLOYEE BENEFITS, INC. | 420 WILLIAM STREET WILLIAMSPORT, PA 17701 | HIGHMARK BLUE SHIELD | $17K | — | $17K | 0.67% |
| HARTMAN EMPLOYEE BENEFITS3 Filed as: HARTMAN EMPLOYEE BENEFITS, INC. | 420 WILLIAM STREET WILLIAMSPORT, PA 17701 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.51% |
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 | 484 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE SHIELD | 456 | $2.5M |
| Dental | UNITED CONCORDIA LIFE & HEALTH INSURANCE COMPANY | 480 | $144K |
| Vision | DAVIS VISION | 445 | $7K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 484 | $11K |
| Prescription drug | HIGHMARK BLUE SHIELD | 456 | $2.5M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 447 | $209K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 484 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.