| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SELZER COMPANY3 | 975 EASTON ROAD, SUITE 100 WARRINGTON, PA 18976 | AETNA LIFE INSURANCE COMPANY | $896 | — | $896 | 0.93% |
| DOYLE ALLIANCE GROUP, INC.3 | 1235 SOUTH BROAD STREET SUITE 830 PHILADELPHIA, PA 19109 | UNION SECURITY INSURANCE COMPANY | $628 | — | $628 | 1.47% |
No Schedule C service providers reported on this filing.
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 | 6,549 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GEISINGER HEALTH PLAN | 161 | $922K |
| Dental | AETNA LIFE INSURANCE COMPANY | 75 | $96K |
| Vision | AETNA LIFE INSURANCE COMPANY | 75 | $96K |
| Life insurance(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 6,549 | $139K |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 6,549 | $96K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,549 | $0 |
| Prescription drug(2 contracts, 2 carriers) | GEISINGER HEALTH PLAN | 161 | $922K |
| Other(3 contracts, 3 carriers) | AETNA BEHAVIORAL HEALTH LLC | 6,549 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,549 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.