| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN RODIA3 | 1514 WOODLAND ROAD WEST CHESTER, PA 19382 | RELIANCE STANDARD INSURANCE CO. | $6K | — | $6K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SPEAR WILDERMAN,P.C. EIN 23-2749511 NONE | Legal; Direct payment from the plan Service code 29 | — | $208K |
| USW DISTRICT 10 LOCAL 286 UNION EIN 23-0724665 SPONSORING LABOR ORG. | Other services; Direct payment from the plan Service code 49 | — | $167K |
| CARLO SIMONE, III EIN 23-2194292 EMPLOYEE | Employee (plan); Other fees Service code 30 | — | $49K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Accounting (including auditing) Service code 10 | — | $31K |
| RAIBLE,CORNAGLIA,WENSTROM & RAIBLE EIN 11-3757869 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $16K |
| LITTLER MENDELSON, PC EIN 94-2602731 NONE | Legal; Direct payment from the plan Service code 29 | — | $12K |
| XPAN LAW PARTNERS LLC EIN 92-2865037 NONE | Consulting fees; Consulting (general) Service code 16 | — | $11K |
| FOSTER & FOSTER, INC. EIN 59-1921114 NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | — | $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 | 2,166 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD INSURANCE CO. | 1,007 | $60K |
| Other | RELIANCE STANDARD INSURANCE CO. | 1,007 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,007 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.