| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRESSLER, WOLFF, & MILLER3 Filed as: KRESSLER WOLFF & MILLER | 40 SOUTH FOURTH STREET EASTON, PA 18042 | DENTAL DENTAL OF PENNSYLVANIA | $15K | — | $15K | 3.35% |
| DELAWARE VALLEY HEALTH CARE4 | 2980 SOUTHAMPTON ROAD PHILADELPHIA, PA 19154 | DENTAL DENTAL OF PENNSYLVANIA | $1K | — | $1K | 0.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK BLUE SHIELD EIN 23-1294723 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $407K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Other services; Consulting (general); Direct payment from the plan Service code 16 | — | $172K |
| SAV-RX PRESCRIPTION SERVICES EIN 47-0577013 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $82K |
| MEYER UNKOVIC SCOTT LLP EIN 25-1008021 NONE | Legal; Direct payment from the plan Service code 29 | — | $46K |
| BREIER GROUP CONCEPTS INC EIN 27-0589547 NONE | Consulting (general); Direct payment from the plan; Other services Service code 16 | — | $36K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $27K |
| CHRISTMAN AND COMPANY EIN 23-2696399 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Accounting (including auditing); Direct payment from the plan Service code 10 | — | $19K |
| SUMMIT ACTURIAL SERVICES LLC EIN 20-3838633 NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | — | $13K |
| INNOVATIVE SOFTWARE SOLUTIONS INC EIN 23-2182079 NONE | Direct payment from the plan; Other services Service code 49 | — | $10K |
| LANG FAYLOR CHOMO COMPANY EIN 23-3061579 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $6K |
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 | 747 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 276 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,023 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL DENTAL OF PENNSYLVANIA | 524 | $440K |
| Stop-loss / reinsurancereinsurance | BERSHIRE HATHAWAY SPECIAL INS COMPANY | 1,023 | $617K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,023 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.