| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYCARE INC3 | 998 OLD EAGLE SCHOOL ROAD, STE 1220 WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 11.08% |
| PSEA HEALTH & WELFARE FUND3 | 400 N 3RD STREET HARRISBURG, PA 17101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.22% |
| HULSE KEPNER ASSOCIATES LLC3 Filed as: HULSE ASSOCIATES, INC. | 275 CUMBERLAND PARKWAY MECHANICSBURG, PA 17055 | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH, PA | $4K | — | $4K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PSEA EIN 23-0961125 PARTY IN INTEREST | Contract Administrator Service code 13 | — | $757K |
| UCCI, INC EIN 23-1661402 NONE | Claims processing Service code 12 | — | $277K |
| NATIONAL VISION ADMINISTRATORS EIN 74-3033381 NONE | Claims processing Service code 12 | — | $123K |
| AON HEWITT INVESTMENT CONSULTING EIN 36-3109431 NONE | Investment advisory (plan) Service code 27 | — | $38K |
| MCKONLY & ASBURY, LLP EIN 23-1909723 NONE | Accounting (including auditing) Service code 10 | — | $23K |
| WILLIG, WILLIAMS, AND DAVIDSON EIN 23-2416488 NONE | Legal Service code 29 | — | $14K |
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 | 205,684 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 143 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 205,827 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181,241 | $320K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181,241 | — |
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.