| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATH ADMINISTRATORS3 | PO BOX 6480 HARRISBURG, PA 17112 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $217 | — | $217 | 15.02% |
| CAIRSTONE, INC3 | 5201 BLUE LAGOON DR, STE 500 MIAMI, FL 33126 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | — | $87 | $87 | 6.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PATH ADMINISTRATORS EIN 44-1226464 NONE | Direct payment from the plan; Claims processing Service code 12 | 4785 LINGLESTOWN RD, STE 200 HARRISBURG, PA 171120480 | $80K |
| CIGNA PPO EIN 59-1031071 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $35K |
| ALAN ROSS & COMPANY, PC EIN 20-5367494 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 10 HEARTHSTONE COURT, STE 100 READING, PA 19606 | $12K |
| BENECARD SERVICES EIN 22-2998772 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $11K |
| THE SAVITZ ORGANIZATION, INC EIN 23-1700844 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | 1845 WALNUT STREET PHILADELPHIA, PA 19103 | $11K |
| CHARLES W. JOHNSTON, PC EIN 23-2077724 NONE | Legal; Direct payment from the plan Service code 29 | 101 ERFORD ROAD, STE 302 CAMP HILL, PA 170010098 | $10K |
| M&T BANK - INSTITUTIONAL RETIREMENT EIN 16-6265706 NONE | Other services; Finders' fees / placement fees; Custodial (securities) Service code 19 | ONE MT PLAZA, 9TH FLOOR BUFFALO, NY 14203 | $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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 148 | $1K |
| Stop-loss / reinsurancereinsurance | US FIRE | 174 | $291K |
| Other(2 contracts, 2 carriers) | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH PA | 173 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.