| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAROLYN GRAHAM MCLAUGHLIN Filed as: CAROLYN MCLAUGHLIN-SMITH | 16 CAMPUS BLVD NEWTOWN SQUARE, PA 19073 | FPLIC | $18K | — | $18K | 5.27% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE NEWTOWN SQUARE, PA 19073 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.45% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE NEWTOWN SQUARE, PA 19073 | GUARDIAN | $1K | — | $1K | 6.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC EIN 23-1294723 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $144K |
| CHARLES JOHNSTON PC EIN 23-2077724 NONE | Legal; Direct payment from the plan Service code 29 | 101 ERFORD ROAD, SUITE 302 CAMP HILL, PA 17001 | $26K |
| PATH ADMINISTRATORS EIN 46-1226464 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 4785 LINGLESTOWN ROAD, SUITE 200 HARRISBURG, PA 171120480 | $24K |
| ALAN ROSS & COMPANY PC EIN 20-5367494 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 10 HEARTHSTONE COURT READING, PA 19606 | $9K |
| O'NEILL CONSULTING CORP EIN 23-1719817 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 487 DEVON PARK DRIVE, SUITE 206 WAYNE, PA 19087 | $6K |
| BERKSHIRE ASSET MANAGMENT NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | 46 PUBLIC SQUARE SUITE 700 WILKES-BARRE, PA 18701 | $6K |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 135 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FPLIC | 1 | $341K |
| Dental | GUARDIAN | 289 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 296 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.