No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FRANK M VACCARO & ASSOCIATES, INC. EIN 23-2148108 | Claims processing; Contract Administrator Service code 12 | — | $118K |
| BUCK CONSULTANTS EIN 13-3954297 | Consulting (general); Actuarial Service code 11 | — | $67K |
| LONG, MULHEARN & CRISTE P.C. EIN 25-1777540 | Accounting (including auditing) Service code 10 | — | $29K |
| MEYER, UNKOVIC & SCOTT EIN 25-1008021 | Legal Service code 29 | — | $21K |
| SOMERSET TRUST EIN 25-0807970 | Investment management Service code 28 | — | $15K |
| GALLAGHER FIDUCIARY ADVISORS, LLC EIN 25-1590035 | Investment advisory (plan) Service code 27 | — | $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 | 513 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 273 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 786 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. - (MEDICAL) | 1,457 | $4.7M |
| Dental | HIGHMARK, INC. - (DENTAL) | 1,454 | $403K |
| Vision | HIGHMARK, INC. - (VISION) | 1,454 | $80K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY - (LIFE) | 690 | $67K |
| Prescription drug | HIGHMARK, INC. - (DRUG) | 1,453 | $1.1M |
| Other | RELIASTAR LIFE INSURANCE COMPANY - (ACCIDENTAL DEATH & DISMEMBERMENT) | 513 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,457 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.