| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUMMINGS FRASER & ASSOCIATES, LLC3 Filed as: CUMMINGS INSURANCE AGENCY | 760 EAST DRINKER STREET DUNMORE, PA 18512 | GEISINGER HEALTH PLAN | $17K | $424 | $17K | 2.56% |
| CUMMINGS INS AGENCY3 | 1301 MADISON AVE DUNMORE, PA 18503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 10.53% |
| INDEPENDENCE PLANNING GROUP3 Filed as: INDEPENDENCE PLANNING GROUP, L | 1767 SENTRY PKWY W BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24 | $0 | $24 | 0.03% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 Filed as: CUMMINGS INSURANCE AGENCY | 760 EAST DRINKER STREET DUNMORE, PA 18512 | GEISINGER QUALITY OPTIONS, INC. | $141 | $4 | $145 | 2.58% |
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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GEISINGER HEALTH PLAN | 148 | $683K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $81K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $81K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $81K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $81K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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."
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.