| 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 | — | — | $0 | — |
| CAIRSTONE, INC3 | 5201 BLUE LAGOON DR, STE 500 MIAMI, FL 33126 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | — | — | $0 | — |
| 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 | $82K |
| CIGNA PPO EIN 59-1031071 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $30K |
| MEYER, UNKOVIC & SCOTT LLC NONE | Legal; Direct payment from the plan Service code 29 | 535 SMITHFIELD STREET, SUITE 1300 PITTSBURGH, PA 15222 | $24K |
| 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 |
| THE SAVITZ ORGANIZATION, INC EIN 23-1700844 NONE | Direct payment from the plan; Consulting (general); Actuarial Service code 11 | 1845 WALNUT STREET PHILADELPHIA, PA 19103 | $12K |
| BENECARD SERVICES EIN 22-2998772 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $11K |
| M&T BANK - INSTITUTIONAL RETIREMENT EIN 16-6265706 NONE | Custodial (securities); Other services; Finders' fees / placement fees Service code 19 | ONE MT PLAZA, 9TH FLOOR BUFFALO, NY 14203 | $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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | 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 | 0 | $0 |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 179 | $334K |
| Other(2 contracts, 2 carriers) | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.