| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C H REAMS & ASSOCIATES INC3 | — | HM LIFE INSURANCE COMPANY | $47K | $0 | $47K | 6.00% |
| C H REAMS & ASSOCIATES INC3 | — | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 1.16% |
| C H REAMS & ASSOCIATES INC3 | — | HARTFORD LIFE INSURANCE COMPANY | $24K | $0 | $24K | 11.72% |
| C H REAMS & ASSOCIATES INC3 | — | METLIFE INVESTORS INSURANCE COMPANY | $2K | $0 | $2K | 2.00% |
No Schedule C service providers reported on this filing.
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 | 1,034 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,034 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HM LIFE INSURANCE COMPANY | 745 | $775K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,074 | $231K |
| Vision | METLIFE INVESTORS INSURANCE COMPANY | 1,079 | $103K |
| Life insurance | HARTFORD LIFE INSURANCE COMPANY | 1,034 | $206K |
| Short-term disability | HARTFORD LIFE INSURANCE COMPANY | 1,034 | $206K |
| Long-term disability | HARTFORD LIFE INSURANCE COMPANY | 1,034 | $206K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 745 | $775K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,079 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.