| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE STERLING GROUP INC3 Filed as: STERLING BENEFITS, LLC | 252 N RADNOR CHESTER RD 2ND FLOOR ST DAVIDS, PA 19087 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $3K | $11K | 14.07% |
| INDEPENDENCE PLANNING GROUP3 | 1767 SENTRY PKWY W BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $82 | $0 | $82 | 0.11% |
| THOMAS J QUIRK3 | 252 N RADNOR CHESTER RD, 2ND FL ST DAVIDS, PA 19087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STERLING BENEFITS, LLC BROKER | Insurance agents and brokers Service code 22 | 252 N RADNOR CHESTER RD ST. DAVIDS, PA 19087 | $41K |
| AMERIHEALTH ADMINISTRATORS, INC. ADMIN | Claims processing Service code 12 | 1900 MARKET STREET, SUITE 500 PHILADELPIA, PA 19103 | $27K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $12K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $3K |
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 | 55 | 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) | 55 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 55 | $78K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 55 | $78K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 55 | $78K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 55 | $78K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 48 | $260K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 55 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 55 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.