| 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 | $21K | — | $21K | 7.54% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 244 BLVD OF THE ALLIES SUITE 3005 PITTSBURGH, PA 15222 | GUARDIAN | $13K | — | $13K | 8.98% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH LLC | 244 BLVD OF THE ALLIES PITTSBURGH, PA 15222 | GUARDIAN | $32 | — | $32 | 0.02% |
| MARK L PERILMAN3 | 657 RIDGEFIELD AVE PITTSBURGH, PA 15216 | GUARDIAN | -$2K | — | -$2K | -1.34% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 188 | $275K |
| Dental | GUARDIAN | 179 | $144K |
| Vision | HIGHMARK | 512 | $20K |
| Life insurance | GUARDIAN | 179 | $144K |
| Long-term disability | GUARDIAN | 179 | $144K |
| Other | GUARDIAN | 179 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
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.