| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GWYNEDD COMPANY3 Filed as: THE GWYNEDD COMPANY | 1100 SUMNEYTOWN PIKE LANSDALE, PA 19446 | HIGHMARK BCBS OF DELAWARE | $53K | — | $53K | 4.31% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS CO | 400 BERWYN PARK BERWYN, PA 19312 | HIGHMARK BCBS OF DELAWARE | $5K | — | $5K | 0.43% |
| GWYNEDD COMPANY3 Filed as: THE GWYNEDD COMPANY | 1100 SUMNEYTOWN PIKE LANSDALE, PA 19446 | PRINCIPAL FINANCIAL GROUP | $10K | — | $10K | 5.49% |
| USI INSURANCE SERVICES LLC3 | ATTN MID ATLANTIC P.O. BOX 61007 VIRGINIA BEACH, VA 23466 | PRINCIPAL FINANCIAL GROUP | $2K | — | $2K | 1.27% |
| PETERMAN BENEFITS3 Filed as: PETERMAN BNFTS LIMITED PARTNERSHIP | P.O. BOX 249 MONTGOMERYVILL, PA 18936 | PRINCIPAL FINANCIAL GROUP | $1K | — | $1K | 0.66% |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BCBS OF DELAWARE | 187 | $1.2M |
| Dental | PRINCIPAL FINANCIAL GROUP | 261 | $186K |
| Life insurance | PRINCIPAL FINANCIAL GROUP | 261 | $186K |
| Long-term disability | PRINCIPAL FINANCIAL GROUP | 261 | $186K |
| Prescription drug | HIGHMARK BCBS OF DELAWARE | 187 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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."
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.