| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOHERTY BENEFITS3 | 5 TRINITY PLACE SOUTH ABINGTON TWP, PA 18411 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $84K | $93K | 4.23% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $42K | $42K | 1.92% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS | 24 E 2ND STREET 1ST FLOOR MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 14.99% |
| DOHERTY BENEFITS3 Filed as: DOHERTY BENEFITS LLC | 217 WYOMING AVENUE SCRANTON, PA 18503 | NATIONAL VISION ADMINISTRATORS | $804 | — | $804 | 10.00% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 183 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 183 | $2.2M |
| Vision | NATIONAL VISION ADMINISTRATORS | 247 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 135 | $104K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 135 | $104K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 135 | $104K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 135 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.