| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETERMAN BENEFITS3 Filed as: PETERMAN BENEFITS LP | 105 MONTGOMERY AVE SUITE 2051 MONTGOMERYVILLE, PA 18936 | AETNA | $2K | $0 | $2K | 8.97% |
| PETERMAN BENEFITS3 | PO BOX 259 MONTGOMERYVILLE, PA 18936 | EYEMED VISION CARE | $369 | $0 | $369 | 9.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $17K |
| PETERMAN BENEFITS BROKER | Insurance agents and brokers Service code 22 | 105 MONTGOMERY AVENUE SUITE 2051 P.O. BOX 249 MONTGOMERYVILLE, PA 18936 | $15K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $8K |
| CONNECT CARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $2K |
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 | 43 | 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) | 43 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA | 37 | $26K |
| Vision | EYEMED VISION CARE | 94 | $4K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | EVEREST REINSURANCE COMPANY | 43 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 94 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.