| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JM BERDEKEM CONSULTING INC3 | — | AETNA | $2K | $0 | $2K | 5.07% |
| THE BRIC AGENCY3 | — | AETNA | $1K | $0 | $1K | 3.75% |
| JM BERDEKEM CONSULTANTS, INC.3 | 233 DEYSHER ROAD FLEETWOOD, PA 19522 | RELIANCE STANDARD | $741 | $0 | $741 | 8.38% |
| THE BRIC AGENCY3 | 421 WAYNEBROOK DR. CHESTER SPRINGS, PA 19425 | RELIANCE STANDARD | $585 | $0 | $585 | 6.62% |
| JM BERDEKEM CONSULTANTS, INC.3 | 233 DEYSHER ROAD FLEETWOOD, PA 19522 | RELIANCE STANDARD | $448 | $0 | $448 | 5.46% |
| THE BRIC AGENCY3 | 421 WAYNEBROOK DR CHESTER SPRINGS, PA 19425 | RELIANCE STANDARD | $373 | $0 | $373 | 4.54% |
| JM BERDEKEM CONSULTANTS, INC.3 | 233 DEYSHER ROAD FLEETWOOD, PA 19522 | RELIANCE STANDARD | $609 | $0 | $609 | 8.36% |
| THE BRIC AGENCY3 | 421 WAYNEBROOK DR. CHESTER SPRINGS, PA 19425 | RELIANCE STANDARD | $484 | $0 | $484 | 6.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $43K |
| JMB CONSULTANTS, INC. EIN 23-2809620 BROKER | Insurance agents and brokers Service code 22 | — | $16K |
| MERITAIN HEALTH, AN AETNA COMPANY EIN 16-1264154 ADMIN. | Claims processing Service code 12 | — | $10K |
| REVIVEHEALTH, INC. EIN 86-1279290 ADMIN. | Claims processing Service code 12 | — | $7K |
| THE BRIC AGENCY EIN 39-2297785 BROKER | Insurance agents and brokers Service code 22 | — | $4K |
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 | 21 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 22 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA | 85 | $30K |
| Vision | EYEMED VISION CARE | 75 | $4K |
| Life insurance | RELIANCE STANDARD | 21 | $8K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE | 43 | $212K |
| Other(3 contracts) | RELIANCE STANDARD | 22 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 85 | — |
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.