| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONESOURCE BENEFIT SOLUTIONS3 | 755 PARK HILL RD MOUNTAIN TOP, PA 18707 | GEISINGER QUALITY OPTIONS, INC. | $25K | $32 | $25K | 3.43% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE, SUITE 190 NEWTON SQUARE, PA 19073 | GEISINGER QUALITY OPTIONS, INC. | $4K | $30 | $4K | 0.61% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DR #202 ELMOOD PARK, NJ 07407 | UNITED CONCORDIA INSURANCE COMPANY | $4K | $782 | $5K | 12.23% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GRL AGENCY | 400 BERWYN PARK BERWYN, PA 19312 | UNITED CONCORDIA INSURANCE COMPANY | $787 | — | $787 | 2.07% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE, SUITE 190 NEWTON SQUARE, PA 19073 | UNITED CONCORDIA INSURANCE COMPANY | $783 | — | $783 | 2.06% |
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 | 69 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 69 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GEISINGER QUALITY OPTIONS, INC. | 95 | $721K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 95 | $38K |
| Vision | HIGHMARK INC | 90 | $6K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 69 | $3K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 28 | $383 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 28 | $383 |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 69 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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.