| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JP WARNER ASSOCIATES, INC.3 Filed as: J. P. WARNER ASSOCIATES, INC. | 485 DEVON PARK DRIVE STE 103 WAYNE, PA 190873115 | SYMETRA | $26K | — | $26K | 4.00% |
| JP WARNER ASSOCIATES, INC.3 Filed as: J.P. WARNER ASSOCIATES, INC. | 485 DEVON PARK DRIVE STE 103 WAYNE, PA 190873115 | COMPANION LIFE | $13 | — | $13 | 3.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASR HEALTH BENEFITS EIN 38-2651185 THIRD PARTY ADMIN | Contract Administrator Service code 13 | PO BOX 6392 GRAND RAPIDS, MI 49516 | $811K |
| INDEPENDENCE ADMINISTRATORS EIN 23-2184623 THIRD PARTY ADMIN | Contract Administrator Service code 13 | 602 OFFICE CENTER DRIVE SUITE 350 FORT WASHINGTON, PA 19034 | $29K |
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 | 1,349 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 266 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SYMETRA | 1,615 | $646K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,615 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.