| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST3 | — | AETNA | $2K | $0 | $2K | 8.99% |
| PCF INSURANCE SERVICES OF THE WEST3 | 105 MONTGOMERY AVENUE SUITE 2051 MONTGOMERYVILLE, PA 18936 | RELIANCE STANDARD | $907 | $144 | $1K | 11.56% |
| JM BERDEKEM CONSULTANTS, INC.3 | 233 DEYSHER ROAD FLEETWOOD, PA 19522 | RELIANCE STANDARD | $457 | $0 | $457 | 5.03% |
| PCF INSURANCE SERVICES OF THE WEST3 | 105 MONTGOMERY AVENUE SUITE 2051 MONTGOMERYVILLE, PA 18936 | RELIANCE STANDARD | $594 | $139 | $733 | 8.43% |
| JM BERDEKEM CONSULTANTS, INC.3 | 233 DEYSHER ROAD FLEETWOOD, PA 19522 | RELIANCE STANDARD | $276 | $0 | $276 | 3.17% |
| PCF INSURANCE SERVICES OF THE WEST3 | 105 MONTGOMERY AVENUE SUITE 2051 MONTGOMERYVILLE, PA 18936 | RELIANCE STANDARD | $692 | $91 | $783 | 11.14% |
| JM BERDEKEM CONSULTANTS, INC.3 | 233 DEYSHER ROAD FLEETWOOD, PA 19522 | RELIANCE STANDARD | $363 | $0 | $363 | 5.16% |
| PCF INSURANCE SERVICES OF THE WEST3 | PO BOX 259 MONTGOMERYVILLE, PA 18936 | EYEMED VISION CARE | $307 | $0 | $307 | 9.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST, EIN 82-1368960 BROKER | Insurance agents and brokers Service code 22 | — | $15K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $11K |
| MERITAIN HEALTH, AN AETNA COMPANY EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $8K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $3K |
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 | 36 | 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) | 36 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA | 70 | $25K |
| Vision | EYEMED VISION CARE | 71 | $3K |
| Life insurance | RELIANCE STANDARD | 16 | $9K |
| Short-term disability | RELIANCE STANDARD | 16 | $7K |
| Long-term disability | RELIANCE STANDARD | 18 | $9K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE | 36 | $168K |
| Other | RELIANCE STANDARD | 16 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 71 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.