| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DELAWARE VALLEY HEALTH CARE3 | 2980 SOUTHHAMPTON ROAD PHILADELPHIA, PA 19154 | DELTA DENTAL OF PENNSYLVANIA | $287 | — | $287 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| D H EVANS TPA LLC DBA PATH ADMIN EIN 46-1226464 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $279K |
| MERITAIN HEALTH NONE | Claims processing Service code 12 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | $92K |
| SEGAL EIN 46-0619194 NONE | Consulting (general); Actuarial Service code 11 | — | $56K |
| BENECARD EIN 22-2998772 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $51K |
| PFM ADVISORS EIN 23-3087064 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $34K |
| WILLIG, WILLIAMS & DAVIDSON NONE | Legal; Direct payment from the plan Service code 29 | 1845 WALNUT ST, 24TH FLOOR PHILADELPHIA, PA 19103 | $22K |
| PACKER THOMAS EIN 34-1667340 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $20K |
| SAV-RX NONE | Direct payment from the plan; Claims processing Service code 12 | 224 NORTH PARK AVENUE FREMONT, NE 68025 | $11K |
| UNITED CONCORDIA NONE | Claims processing; Direct payment from the plan Service code 12 | 1800 CENTER STREET, SUITE 2B 220 CAMP HILL, PA 17011 | $9K |
| COWDEN ASSOCIATES NONE | Direct payment from the plan; Actuarial Service code 11 | FOUR GATEWAY CENTER, SUITE 605 PITTSBURGH, PA 15222 | $8K |
| WILMINGTON TRUST EIN 16-1486454 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $5K |
| DELTA DENTAL EIN 23-1667011 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $5K |
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 | 356 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 133 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY INC | 185 | $173K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 0 | $0 |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE CO | 377 | $380K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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.