| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYCARE INC3 | 998 OLD EAGLE SCHOOL RD STE 1220 WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 9.84% |
| PSEA HEALTH & WELFARE FUND3 | 400 N THIRD ST HARRISBURG, PA 17105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.97% |
| HULSE KEPNER ASSOCIATES LLC3 | 275 CUMBERLAND PKWY. # 235 MECHANICSBURG, PA 17055 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $3K | — | $3K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PSEA EIN 23-0961125 PARTY IN INTEREST | Contract Administrator Service code 13 | — | $807K |
| UCCI, INC. EIN 23-1661402 NONE | Claims processing Service code 12 | — | $408K |
| NATIONAL VISION ADMINISTRATORS EIN 74-3033381 NONE | Claims processing Service code 12 | — | $111K |
| MCKONLY & ASBURY, LLP EIN 23-1909723 NONE | Accounting (including auditing) Service code 10 | — | $27K |
| AON INVESTMENTS USA INC EIN 36-3109431 NONE | Investment advisory (plan) Service code 27 | — | $24K |
| GUNN MOWRY LLC EIN 81-0587373 NONE | Insurance services Service code 23 | — | $12K |
| VISION BENEFIT SERVICES EIN 25-1149206 NONE | Insurance services Service code 23 | — | $9K |
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 | 214,612 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 89 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 214,701 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176,117 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176,117 | — |
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.