| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROCHE FINANCIAL INC3 Filed as: ROCHE FINANCIAL INC. | 1610 E. THIRD STREET WILLIAMSPORT, PA 17701 | HUMANA INSURANCE COMPANY | $40K | — | $40K | 9.80% |
| ALPHA BENEFITS GROUP INC3 | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | GUARDIAN | $5K | $6K | $11K | 11.98% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 244 BLVD OF THE ALLIES SUITE 3005 PITTSBURGH, PA 15222 | GUARDIAN | $1K | — | $1K | 1.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Insurance services Service code 23 | — | $95K |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 132 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 193 | $406K |
| Dental | GUARDIAN | 181 | $88K |
| Vision | HIGHMARK | 371 | $21K |
| Life insurance | GUARDIAN | 181 | $88K |
| Long-term disability | GUARDIAN | 181 | $88K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 157 | $210K |
| Other | GUARDIAN | 181 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.