| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRESSLER, WOLFF, & MILLER3 Filed as: KRESSLER WOLFF & MILLER | 40 SOUTH FOURTH STREET EASTON, PA 18042 | DELTA DENTAL OF PENNSYVANIA | $22K | — | $22K | 5.00% |
| DELAWARE VALLEY HEALTH CARE4 | 2980 SOUTHAMPTON ROAD PHILADELPHIA, PA 19154 | DELTA DENTAL OF PENNSYVANIA | $1K | — | $1K | 0.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK BLUE SHIELD EIN 23-1294723 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $455K |
| BREIER GROUP CONCEPTS INC EIN 27-0589547 NONE | Consulting (general); Other services; Direct payment from the plan Service code 16 | — | $108K |
| SAV-RX PRESCRIPTION SERVICES EIN 47-0577013 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $79K |
| MEYER UNKOVIC & SCOTT LLP EIN 25-1008021 NONE | Legal; Direct payment from the plan Service code 29 | — | $47K |
| LAKESHORE BENEFIT GROUP LLC EIN 20-3607887 NONE | Other insurance fees and expenses; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $34K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $32K |
| CHRISTMAN AND COMPANY EIN 23-2696399 NONE | Accounting (including auditing); Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 10 | — | $16K |
| INNOVATIVE SOFTWARE SOLUTIONS INC EIN 23-2182079 NONE | Direct payment from the plan; Other services Service code 49 | — | $11K |
| LANG FAYLOR CHOMO & COMPANY EIN 23-3061579 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $8K |
| SUMMIT ACTURIAL SERVICES LLC EIN 20-3838633 NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $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 | 751 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 261 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,012 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYVANIA | 536 | $449K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY | 1,012 | $724K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,012 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.