| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEORGE AUDI3 | 2508 GODDARD AVENUE SINKING SPRING, PA 19608 | AETNA LIFE INSURANCE CO. | $9K | — | $9K | 2.53% |
| INSURANCE SPECIALTIES INC3 Filed as: INSURANCE SPECIALTIES | P.O. BOX 828 MORGANTOWN, PA 19543 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 1.30% |
| CONNER STRONG & BUCKELEW3 | 401 ROUTE 73 NORTH P.O. BOX 989 MARLTON, NJ 08053 | AETNA LIFE INSURANCE CO. | — | $4K | $4K | 1.16% |
| ROBERT C. WILLIAMS3 | 330 HARRIS HILL ROAD SHAVERTOWN, PA 18708 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 1.08% |
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 | 1,335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF NEPA - FPLIC | 997 | $3.6M |
| Dental | AETNA LIFE INSURANCE CO. | 1,335 | $356K |
| Vision | VISION BENEFITS OF AMERICA | 620 | $33K |
| Life insurance | AETNA LIFE INSURANCE CO. | 1,335 | $356K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 1,335 | $356K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 1,335 | $356K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF NEPA - FPLIC | 997 | $3.6M |
| Other | AETNA LIFE INSURANCE CO. | 1,335 | $356K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,335 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.