| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE C 3 GROUP LLC3 | PO BOX 554 CLARKS SUMMIT, PA 18411 | HIGHMARK, INC. | $34K | — | $34K | 5.70% |
| THE C 3 GROUP LLC3 | PO BOX 554 CLARKS SUMMIT, PA 18411 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 13.80% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD, SUITE 240 NAPLES, FL 34110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $721 | $3K | 6.07% |
| THE EQUINOX AGENCY LLC3 | 402 STATE AVE EMMAUS, PA 18049 | SUN LIFE ASSURANCE COMPANY OF CANADA | $589 | — | $589 | 1.20% |
| THE C 3 GROUP LLC3 | 320 STATE ST CLARKS SUMMIT, PA 18411 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.15% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1060 BROADWAY, SUITE 400 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.58% |
| THE EQUINOX AGENCY LLC3 | 402 STATE AVENUE EMMAUS, PA 18049 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $403 | — | $403 | 0.85% |
| INDEPENDENCE PLANNING GROUP3 | 5100 TILGHMAN ST SUITE 310 ALLENTOWN, PA 18104 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $40 | — | $40 | 0.08% |
| MAZZMAR LLC3 | 1767 SENTRY PARKWAY WEST, SUITE 200 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.01% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 84 | $605K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $48K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $48K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 113 | $49K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 113 | $49K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 113 | $49K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 113 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.