| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DELAWARE VALLEY HEALTH CARE | — | DELTA DENTAL OF PENNSYLVANIA | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $141K |
| HORTON (MARSH MCLENNAN) EIN 36-2668272 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $72K |
| IE SHAFFER NONE | Direct payment from the plan; Contract Administrator Service code 13 | 830 BEAR TAVERN ROAD WEST TRENTON, NJ 08628 | $44K |
| CALIBRE CPA GROUP, PLLC NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 7501 WISCONSION AVE BETHESDA, MD 20814 | $32K |
| MARINER INSTITUTIONAL, LLC EIN 59-3676225 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $25K |
| MEYER UNKOVIC & SCOTT LLP NONE | Legal; Direct payment from the plan Service code 29 | 535 SMITHFIELD ST. STE 1300 PITTSBURGH, PA 15222 | $23K |
| LOGAN, METTLEY & NEWCOMER, PLC EIN 33-1365351 NONE | Legal; Direct payment from the plan Service code 29 | 5 HOT METAL SHEET SUITE 203 PITTSBURGH, PA 15203 | $13K |
| KANG HAGGERTY & FETBROYT LLC NONE | Legal; Direct payment from the plan Service code 29 | 123 S BROAD ST. STE 1670 PHILIADELPHIA, PA 19109 | $11K |
| DELTA DENTAL EIN 23-1667011 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $8K |
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 | 311 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 638 | $0 |
| Vision | VISION BENEFITS OF AMERICA | 294 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 638 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.