| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEHMEYER, WILLIAM H3 | 577 EXTON CMNS EXTON, PA 19341 | HIGHMARK, INC. | $47K | $0 | $47K | 4.05% |
| DONALD C SAVOY INC3 | 200 CONNELL DRIVE ROUND TABLE STUD BERKELEY HEIGHTS, NJ 07922 | HIGHMARK, INC. | $9K | $0 | $9K | 0.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES INC | 200 CONNELL DR STE 1000 ROUND TABL BERKELEY HTS, NJ 07922 | HIGHMARK, INC. | $2K | $0 | $2K | 0.16% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENER | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | GUARDIAN LIFE INSURANCE COMPANY | $13K | $6K | $18K | 11.23% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LL | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | GUARDIAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.00% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 194 | $1.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 124 | $164K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 124 | $164K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 124 | $164K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 124 | $164K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 124 | $164K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 124 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.