| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK M SPRAGUE3 | 2775 WHITE WING LANE WEST PALM BEACH, FL 33409 | GUARDIAN | $3K | — | $3K | 7.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCARE STRATEGIES, INC EIN 23-2848954 NONE | Contract Administrator Service code 13 | 3031 B WALTON ROAD PLYMOUTH MEETING, PA 19462 | $222K |
| UFCW LOCAL 1776 HEALTH AND WELFARE EIN 23-2949242 NONE | Direct payment from the plan; Claims processing Service code 12 | 3031 B WALTON ROAD PLYMOUTH MEETING, PA 19462 | $75K |
| BOLTON PARTNERS NORTHEAST, INC NONE | Direct payment from the plan; Actuarial Service code 11 | 36 SOUTH CHARLES STREET, SUITE 1000 BALTIMORE, MD 21201 | $48K |
| WILLIG, WILLIAMS & DAVIDSON NONE | Legal; Direct payment from the plan Service code 29 | 1845 WALNUT STREET PHILADELPHIA, PA 19103 | $31K |
| 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 | $25K |
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 | 1,749 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,790 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | GEISINGER QUALITY OPTIONS | 493 | $7.1M |
| Life insurance(6 contracts, 3 carriers) | GEISINGER QUALITY OPTIONS | 699 | $7.1M |
| Other | GUARDIAN | 699 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 699 | — |
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.
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.