| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID R ALTER | 15 TALLMAN PLACE NYACK, NY 10960 | GUARDIAN | $3K | — | $3K | 7.06% |
| INTERNAL PLANNING ALL LLC | 300 BROADACRES DRIVE STE 175 BLOOMFIELD, NJ 07003 | GUARDIAN | $295 | — | $295 | 0.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCARE STRATEGIES, INC EIN 23-2848954 NONE | Contract Administrator; Direct payment from the plan Service code 13 | 3031-B WALTON ROAD PLYMOUTH MEETING, PA 19462 | $281K |
| WILLIG, WILLIAMS & DAVIDSON NONE | Legal; Direct payment from the plan Service code 29 | 1845 WALNUT STREET PHILADELPHIA, PA 19103 | $69K |
| AON CONSULTING EIN 22-2232264 NONE | Direct payment from the plan; Actuarial Service code 11 | 555 E. LANCASTER AVENUE, SUITE 300 RADNOR, PA 190875159 | $65K |
| ALAN ROSS & COMPANY, PC EIN 20-5367494 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 10 HEARTHSTONE COURT, SUITE 100 READING, PA 19606 | $28K |
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 | 2,151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | FIRST PRIORITY LIFE INSURANCE CO | 159 | $2.2M |
| Life insurance(5 contracts, 3 carriers) | FIRST PRIORITY LIFE INSURANCE CO | 159 | $2.2M |
| Other | GUARDIAN | 0 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.