| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE STERLING GROUP INC3 Filed as: STERLING BENEFITS LLC | 252 N RADNOR CHESTER RD ST DAVIDS, PA 19087 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 15.56% |
| AMERIHEALTH ADMINISTRATORS INC3 | PO BOX 21545 EAGAN, MN 55121 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.75% |
| QUIRK, THOMAS, J3 | 252 N RADNOR CHESTER RD ST DAVIDS, PA 19087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $177 | $0 | $177 | 2.00% |
| QUIRK, THOMAS, J3 | 252 N RADNOR CHESTER RD 2ND FLOOR ST DAVIDS, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $963 | $0 | $963 | 34.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STERLING BENEFITS LLC BROKER | Insurance agents and brokers Service code 22 | 252 N RADNOR CHESTER RD ST DAVIDS, PA 19087 | $77K |
| INDEPENDENCE ADMINISTRATORS EIN 23-2184623 ADMIN | Claims processing Service code 12 | — | $75K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $24K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $8K |
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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $135K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $138K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $138K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $138K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 144 | $364K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.