| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN KOZIOL3 | 60 CHESTNUT TREE ROAD NOXEN, PA 18636 | CITIZENS SECURITY LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| KEVIN KOZIOL3 | 60 CHESTNUT TREE ROAD NOXEN, PA 18636 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.20% |
| URL INC3 Filed as: URL INC. | 500 NATIONWIDE DRIVE HARRISBURG, PA 17110 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.00% |
| KEVIN KOZIOL3 | 60 CHESTNUT TREE ROAD NOXEN, PA 18636 | VISION BENEFITS OF AMERICA | $882 | $0 | $882 | 5.00% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CITIZENS SECURITY LIFE INSURANCE COMPANY | 93 | $47K |
| Vision | VISION BENEFITS OF AMERICA | 110 | $18K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 205 | $36K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 205 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.