| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN BELL3 | 9 NORTH MAIN STREET PITTSTON, PA 18640 | HARTFORD LIFE AND ACCIDENT INSURANCE CO | $2K | — | $2K | 1.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PATH ADMINISTRATORS NONE | Contract Administrator; Direct payment from the plan Service code 13 | 4785 LINGLESTOWN ROAD SUITE 200 HARRISBURG, PA 17112 | $48K |
| 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 | $15K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 26-4310632 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 125 WEST STREET ANNAPOLIS, MD 21401 | $10K |
| CHARLES W JOHNSTON, PC EIN 23-2077724 NONE | Legal Service code 29 | 101 ERFORD ROAD, SUITE 302 CAMP HILL, PA 17001 | $10K |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 349 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 498 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GEISINGER HEALTH PLAN | 310 | $1.4M |
| Vision | BLUE CROSS OF NORTHEASTERN PENNSYLVANIA / CLARITY VISION | 256 | $14K |
| Life insurance | HARTFORD LIFE AND ACCIDENT INSURANCE CO | 505 | $138K |
| Other | HARTFORD LIFE AND ACCIDENT INSURANCE CO | 505 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 505 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.