| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC | 420 WILLIAMS SY WILLIAMSPORT, PA 17701 | AETNA LIFE INSURANCE | $16K | — | $16K | 7.67% |
| HARTMAN EMPLOYEE BENEFITS Filed as: HARTMAN EMPLOYEE BENEFITS INC | 420 WILLIAMS ST WILLIAMSPORT, PA 17701 | AETNA LIFE INSURANCE | $4K | — | $4K | 2.08% |
| HIIG - ELITE UNDERWRITING | P O BOX 849998 DALLAS, TX 752849998 | INDECS CORPORATION BENEFIT ADMINISTRATORS | $125K | — | $125K | 70.04% |
| INDECS CORPORATION5 | 1099 WALL STREET WEST SUITE 317 LYNDHURST, NJ 07071 | INDECS CORPORATION BENEFIT ADMINISTRATORS | $77K | — | $77K | 43.28% |
| AMWINS | PO BOX 845052 LOS ANGELES, CA 900845052 | INDECS CORPORATION BENEFIT ADMINISTRATORS | $49K | — | $49K | 27.14% |
| HEALTHCARECSTRAGETIS | PO BOX 37039 BALTIMORE, MD 212973039 | INDECS CORPORATION BENEFIT ADMINISTRATORS | $12K | — | $12K | 6.94% |
| ENVISION PHARMACEUTICAL SERVICES | 2181 E AURORA RD SUITE 201 TWINSBURG, OH 44087 | INDECS CORPORATION BENEFIT ADMINISTRATORS | $11K | — | $11K | 6.24% |
| PHCS Filed as: MULTIPLAN | PO BOX 29380 GENERAL POST OFFICE NEW YORK, NY 100879380 | INDECS CORPORATION BENEFIT ADMINISTRATORS | $10K | — | $10K | 5.46% |
| USI INSURANCE SERVICES LLC3 | 420 WILLIAMS ST PO BOX 1087 WILLIAMSPORT, PA 17701 | GUARDIAN | $5K | $5K | $10K | 16.05% |
| JOYCE JOSEPH J ASSOC INC3 Filed as: JOYCE HAGGERTY BELL INSURANCE | 9 N MAIN ST PITTSTON, PA 186401836 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $790 | $3K | 5.47% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE | 225 | $384K |
| Dental | STEELWORKERS HEALTH & WELFARE FUND | 245 | $137K |
| Vision | STEELWORKERS HEALTH & WELFARE FUND | 245 | $137K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 244 | $116K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 244 | $116K |
| Long-term disability | GUARDIAN | 244 | $63K |
| Prescription drug | AETNA LIFE INSURANCE | 151 | $206K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE | 225 | $384K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.