| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LORENZO V CUTAIA3 Filed as: LORENZO CUTAIA | 123 AZALEA LA EGG HARBOR TWP, NJ 08234 | BOSTON MUTUAL LIFE INSURANCE CO | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ONEILL CONSULTING CORP EIN 23-1719817 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 485 DEVON PARK DR WAYNE, PA 19087 | $7K |
| CLEARY JOSEM AND TRIGIANNI LLP NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 325 CHESTNUT ST SUITE 200 PHILADELPHIA, PA 19004 | $6K |
| ANTHONY PONTARELLI, CPA LLC EIN 32-0048632 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 208 E PENNSYLVANIA FEASTERVILLE, PA 19053 | $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 | 1,030 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,030 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | BOSTON MUTUAL LIFE INSURANCE CO | 0 | $29K |
| Short-term disability | BOSTON MUTUAL LIFE INSURANCE CO | 0 | $29K |
| Other | BOSTON MUTUAL LIFE INSURANCE CO | 0 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.