| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DELAWARE VALLEY HEALTH CARE4 | 2980 SOUTHAMPTON ROAD PHILADELPHIA, PA 19154 | THE UNION LABOR LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCARE STRATEGIES, INC EIN 23-2848954 NONE | Contract Administrator Service code 13 | 3031 B WALTON ROAD PLYMOUTH MEETING, PA 19462 | $271K |
| GEISINGER QUALITY OPTIONS EIN 23-2311553 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $143K |
| PHILADELPHIA TRUST COMPANY NONE | Custodial (securities) Service code 19 | 1760 MARKET STREET PHILADELPHIA, PA 19103 | $70K |
| BOLTON PARTNERS NORTHEAST, INC NONE | Direct payment from the plan; Actuarial Service code 11 | 36 SOUTH CHARLES STREET, SUITE 1000 BALTIMORE, MD 21201 | $63K |
| 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 | $22K |
| OPTUM RX NONE | Claims processing; Direct payment from the plan Service code 12 | — | $15K |
| EYEMED NONE | Direct payment from the plan; Claims processing Service code 12 | — | $7K |
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 | 1,873 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,873 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GEISINGER QUALITY OPTIONS | 448 | $2.0M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 33 | $5K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 445 | $34K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 445 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.