| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LTC INSURANCE SERVICES LLC3 Filed as: LTC INSURANCE SERVICES, LLC | 20 DONATI ROAD PITTSBURGH, PA 15241 | HEALTH OPTIONS, INC. | $34K | $0 | $34K | 3.00% |
| LTC INSURANCE SERVICES LLC3 Filed as: LTC INSURANCE SERVICES, LLC | 20 DONATI ROAD, SUITE 300 PITTSBURGH, PA 15241 | SYMETRA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 6.06% |
| PHILIP SCHERMERHORN3 | 315 GRAY ROAD LITHIA, FL 33547 | SYMETRA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 3.79% |
| GEHRING GROUP3 Filed as: THE GEHRING GROUP | 4200 NORTH CORPORATE PARKWAY PALM BEACH GARDENS, FL 33401 | NATIONAL GUARDIAN LIFE | $15K | $0 | $15K | 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 | 447 | 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) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS, INC. | 112 | $1.1M |
| Dental | NATIONAL GUARDIAN LIFE | 474 | $152K |
| Vision | NATIONAL GUARDIAN LIFE | 474 | $152K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 551 | $208K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 551 | $208K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 551 | $208K |
| Prescription drug | HEALTH OPTIONS, INC. | 112 | $1.1M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 551 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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."
No prospect flags tripped on this filing.