| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST3 | 105 MONTGOMERY AVENUE SUITE 2051 MONTGOMERYVILLE, PA 18936 | RELIANCE STANDARD | $1K | $0 | $1K | 15.00% |
| PCF INSURANCE SERVICES OF THE WEST3 | 105 MONTGOMERY AVENUE SUITE 2051 MONTGOMERYVILLE, PA 18936 | RELIANCE STANDARD | $583 | $0 | $583 | 10.00% |
| PCF INSURANCE SERVICES OF THE WEST3 | 105 MONTGOMERY AVENUE SUITE 2051 MONTGOMERYVILLE, PA 18936 | RELIANCE STANDARD | $706 | $0 | $706 | 15.00% |
| PCF INSURANCE SERVICES OF THE WEST3 | PO BOX 259 MONTGOMERYVILLE, PA 18936 | EYEMED VISION CARE | $329 | $0 | $329 | 9.98% |
| PCF INSURANCE SERVICES OF THE WEST3 | 59 INDUSTRIAL DRIVE NEW BRITAIN, PA 18901 | AETNA | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PETERMAN BENEFITS BROKER | Insurance agents and brokers Service code 22 | 105 MONTGOMERY AVENUE SUITE 2051 P.O. BOX 249 MONTGOMERYVILLE, PA 18936 | $13K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $10K |
| MERITAIN HEALTH EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $6K |
| CONNECTCARE 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 | 37 | 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) | 38 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA | 31 | $2K |
| Vision | EYEMED VISION CARE | 66 | $3K |
| Life insurance | RELIANCE STANDARD | 20 | $6K |
| Short-term disability | RELIANCE STANDARD | 20 | $5K |
| Long-term disability | RELIANCE STANDARD | 22 | $7K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 37 | $115K |
| Other | RELIANCE STANDARD | 20 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 66 | — |
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.