| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUMMINGS FRASER & ASSOCIATES, LLC3 Filed as: CUMMINGS INSURANCE AGENCY | 760 EAST DRINKER STREET DUNMORE, PA 18509 | GEISINGER HEALTH PLAN | $41K | — | $41K | 2.00% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 Filed as: CUMMINGS INSURANCE AGENCY | 1301 MADISON AVENUE DUNMORE, PA 18509 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $1K | $14K | 6.46% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 Filed as: CUMMINGS INSURANCE AGENCY | 760 EAST DRINKER STREET DUNMORE, PA 18509 | GEISINGER QUALITY OPTIONS, INC | $413 | — | $413 | 2.00% |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GEISINGER HEALTH PLAN | 399 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 505 | $212K |
| Vision | BLUE CROSS NE PA HIGHMARK BLUE SHIELD MEDICAL SURGICAL/CLARITY VISION | 221 | $18K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 505 | $212K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 505 | $212K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 505 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 505 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.