| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARTMAN EMPLOYEE BENEFITS3 | 420 WILLIAM STREET WILLIAMSPORT, PA 17701 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $39K | — | $39K | 0.66% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SVCS INC | 777 CANAL VIEW BLVD STE 100 ROCHESTER, NY 14623 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 4.93% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | ONE INTERNATIONAL PLAZA, 4TH FLOOR PHILADELPHIA, PA 19113 | HM LIFE INSURANCE COMPANY | $752 | — | $752 | 1.00% |
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 | 631 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 631 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,333 | $291K |
| Vision | HM LIFE INSURANCE COMPANY | 1,149 | $75K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 917 | $286K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 917 | $286K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 917 | $286K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 631 | $5.9M |
| Stop-loss / reinsurancereinsurance | AVALON INSURANCE COMPANY | 631 | $935K |
| Other | HARTFORD LIFE AND ACCIDENT | 917 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,333 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.