| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ESSA ADVISORY SERVICES, LLC3 | 200 PALMER ST STROUDSBURG, PA 18360 | HIGHMARK, INC. | $59K | — | $59K | 2.63% |
| BENEFITS ADVISORY SERVKES LTD3 | 5831 INDIAN CREEK RD ZIONSVILLE, PA 18092 | HIGHMARK, INC. | $17K | — | $17K | 0.75% |
| ESSA ADVISORY SERVICES, LLC3 | 200 PALMER ST STROUDSBURG, PA 18360 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | — | $28K | 11.84% |
| ESSA ADVISORY SERVICES, LLC3 | 200 PALMER ST STROUDSBURG, PA 18360 | DELTA DENTAL OF PENNSYLVANIA | $8K | — | $8K | 6.25% |
| BENEFITS ADVISORY GROUP3 Filed as: BENEFITS ADVISORY SERVICES LTD | 5831 INDIAN CREEK RD ZIONSVILLE, PA 18092 | DELTA DENTAL OF PENNSYLVANIA | $2K | — | $2K | 1.73% |
| ESSA ADVISORY SERVICES, LLC3 | 200 PALMER ST STROUDSBURG, PA 18360 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 6.73% |
| BENEFITS ADVISORY GROUP3 Filed as: BENEFITS ADVISORY SERVICES LTD | 5831 INDIAN CREEK RD ZIONSVILLE, PA 18092 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 4.41% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 226 | $2.3M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 191 | $128K |
| Vision | HIGHMARK, INC. | 226 | $2.3M |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 225 | $332K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 225 | $332K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 225 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.