| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R & B INSURANCE SERVICES LLC3 Filed as: R&B INSURANCE SERVICES, LLC | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | GUARDIAN | $5K | $1K | $6K | 5.84% |
| LOGICAL PLANNING SOLUTIONS3 Filed as: LOGICAL PLANNING SOLUTIONS INC | 2738 WEST COLLEGE AVENUE SUITE 100 STATE COLLEGE, PA 16801 | GUARDIAN | $4K | — | $4K | 4.09% |
| LOGICAL PLANNING SOLUTIONS3 Filed as: LOGICAL PLANNING SOLUTIONS INC. | 2738 W COLLEGE AVE, SUITE 100 STATE COLLEGE, PA 16801 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 8.35% |
| R & B INSURANCE SERVICES LLC3 Filed as: R&B INSURANCE SERVICES | 209 WOODWARD AVENUE, SUITE B LOCK HAVEN, PA 17745 | VISION BENEFITS OF AMERICA | $216 | — | $216 | 1.66% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 111 | $102K |
| Vision | VISION BENEFITS OF AMERICA | 105 | $13K |
| Life insurance | GUARDIAN | 111 | $102K |
| Short-term disability | GUARDIAN | 111 | $102K |
| Other | GUARDIAN | 111 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.
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.