| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER W ANDERSON 00026225383 Filed as: W PETER ANDERSON | 125 E ELM ST SUITE 210 CONSHOHOCKEN, PA 19428 | HIGHMARK INC | $56K | $0 | $56K | 5.02% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 100 PINEWOOD LANE SUITE 301 WARRENDALE, PA 15086 | HIGHMARK INC | $13K | $0 | $13K | 1.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19420 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $6K | $20K | 15.89% |
| STRATEGIC NON-MEDICAL SOLUTION3 | 75 STATE ST. SUITE 1710 BOSTON, MA 02109 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 5.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1605 CONCENTRIC BLVD STE 2 SAGINAW, MI 48604 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 3.25% |
| AMERIHEATH ADMINISTRATORS, INC3 | PO BOX 21545 EAGAN, MN 55121 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$180 | $0 | -$180 | -0.14% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 669 RIVER DRIVE CENTER II, SUITE 30 ELMWOOD PARK, NJ 07407 | UNITED CONCORDIA INSURANCE COMPANY | $8K | $287 | $8K | 13.05% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 189 | $1.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 214 | $60K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 130 | $127K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 130 | $127K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 130 | $127K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 130 | $127K |
| Prescription drug | HIGHMARK INC | 189 | $1.1M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 130 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.