| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAE GROUP LLC3 | 601 DRESHER ROAD SUITE 201 HORSHAM, PA 19044 | SYMETRA LIFE INSURANCE COMPANY | $48K | — | $48K | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ILA BENEFIT FUND OFFICE EIN 23-1734119 NONE | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator; Direct payment from the plan Service code 12 | — | $382K |
| ALLIED TRADES ASSISTANCE PROGRAM EIN 23-2591093 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $144K |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796473 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $79K |
| FISCHER DORWART, P.C. EIN 23-2247478 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $12K |
| COZEN O'CONNOR NONE | Legal; Direct payment from the plan Service code 29 | 1650 MARKET STREET SUITE 2800 PHILADELPHIA, PA 19103 | $10K |
| SPEAR WILDERMAN EIN 23-2749511 NONE | Legal Service code 29 | — | $10K |
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 | 900 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 900 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 890 | $399K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 890 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.