| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBEN INSURANCE SOLUTIONS INC3 | 200 W BALTIMORE AVE MEDIA, PA 19063 | AETNA LIFE INSURANCE CO | $49K | $17K | $66K | 7.43% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS INC. | 24 E SECOND ST FL 1 MEDIA, PA 19063 | RELIASTAR LIFE INSURANCE COMPANY | $5K | — | $5K | 6.00% |
| PATRICK J DOHERTY3 | 1620 N WASHINGTON AVE SCRANTON, PA 18509 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 4.00% |
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 | 2,963 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,977 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HIGHMARK INC. | 2,636 | $10.9M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 1,450 | $726K |
| Vision | VISION SERVICE PLAN | 1,481 | $126K |
| Life insurance | AETNA LIFE INSURANCE CO | 1,806 | $887K |
| Short-term disability | AETNA LIFE INSURANCE CO | 1,806 | $887K |
| Long-term disability | AETNA LIFE INSURANCE CO | 1,806 | $887K |
| Other | AETNA LIFE INSURANCE CO | 1,806 | $887K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,636 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.