| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROCHE FINANCIAL INC3 Filed as: ROCHE FINANCIAL INC. | 1610 E. THIRD STREET WILLIAMSPORT, PA 17701 | AETNA LIFE INSURANCE CO. | $24K | $0 | $24K | 10.61% |
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT GROUP INC | 10 N DORCAS STREET LEWISTOWN, PA 17044 | UNION SECURITY INSURANCE COMPANY | $6K | $0 | $6K | 10.01% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | UNION SECURITY INSURANCE COMPANY | $0 | $2K | $2K | 3.00% |
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT GROUP INC | 10 N DORCAS STREET LEWISTOWN, PA 17044 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.62% |
| ROCHE FINANCIAL INC3 Filed as: ROCHE FINANCIAL INC. | 1610 E. THIRD STREET WILLIAMSPORT, PA 17701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 13.21% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 5.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Insurance services Service code 23 | — | $137K |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 125 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 95 | $62K |
| Vision | HIGHMARK | 433 | $24K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 109 | $45K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 43 | $24K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 200 | $224K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 109 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.