| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID R ALTER | 15 TALLMAN PLACE NYACK, NY 10960 | GUARDIAN | $3K | — | $3K | 7.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UFCW LOCAL 1776 HEALTH AND WELFARE EIN 23-2949242 NONE | Claims processing; Direct payment from the plan Service code 12 | 3031 B WALTON ROAD PLYMOUTH MEETING, PA 19462 | $179K |
| HEALTHCARE STRATEGIES, INC EIN 23-2848954 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 3031 B WALTON ROAD PLYMOUTH MEETING, PA 19462 | $122K |
| AON CONSULTING EIN 22-2232264 NONE | Actuarial; Direct payment from the plan Service code 11 | 555 E. LANCASTER AVENUE, SUITE 300 RADNOR, PA 190875159 | $65K |
| WILLIG, WILLIAMS & DAVIDSON NONE | Legal; Direct payment from the plan Service code 29 | 1845 WALNUT STREET PHILADELPHIA, PA 19103 | $29K |
| ALAN ROSS & COMPANY, PC EIN 20-5367494 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 10 HEARTHSTONE COURT, SUITE 100 READING, PA 19606 | $20K |
| HIGHMARK INC. EIN 23-1294723 NONE | Claims processing; Direct payment from the plan Service code 12 | PO BOX 382146 PITTSBURGH, PA 15250 | $19K |
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 | 2,181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | GEISINGER QUALITY OPTIONS | 894 | $6.2M |
| Vision | HIGHMARK | 1,658 | $33K |
| Life insurance(6 contracts, 3 carriers) | GEISINGER QUALITY OPTIONS | 894 | $6.3M |
| Other | GUARDIAN | 631 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,658 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.