| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAROLYN GRAHAM MCLAUGHLIN3 Filed as: CAROLYN MCLAUGHLIN-SMITH | 16 CAMPUS BLVD NEWTOWN SQUARE, PA 19073 | FPLIC | $72K | — | $72K | 2.97% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE NEWTOWN SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $252 | $1K | 12.48% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE NEWTOWN SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $126 | $31 | $157 | 12.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PNC INSTITUTIONAL ASSET MANAGEMENT EIN 22-1146430 NONE | Soft dollars commissions; Investment management fees paid directly by plan; Float revenue; Securities brokerage commissions and fees; Custodial (securities) Service code 19 | 620 LIBERTY AVENUE PITTSBURGH, PA 15222 | $47K |
| PATH ADMINISTRATORS EIN 46-1226464 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 4785 LINGLESTOWN ROAD, SUITE 200 HARRISBURG, PA 171120480 | $23K |
| ALAN ROSS & COMPANY PC EIN 20-5367494 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 10 HEARTHSTONE COURT, SUITE 100 READING, PA 19606 | $14K |
| CHARLES J. JOHNSTON EIN 23-2077724 NONE | Legal; Direct payment from the plan Service code 29 | 101 ERFORD ROAD, SUITE 302 CAMP HILL, PA 170010098 | $11K |
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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 45 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FPLIC | 682 | $2.4M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 299 | $160K |
| Vision | VISION BENEFITS OF AMERICA | 277 | $22K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 296 | $11K |
| Prescription drug | FPLIC | 682 | $2.4M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 296 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 682 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.