| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMBERLINE HEALTHCARE CONSULTING IN | PO BOX 263 WERNERSVILLE, PA 19565 | GERBER LIFE INSURANCE COMPANY | $12K | — | $12K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| D.H. EVANS TPA LLC DBA PATH EIN 27-4536895 NONE | Contract Administrator; Direct payment from the plan Service code 13 | 4785 LINGLESTOWN ROAD, SUITE 200 HARRISBURG, PA 17112 | $90K |
| MORGAN STANLEY SMITH BARNEY EIN 24-0856734 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | 74 WEST BROAD STREET, SUITE 200 BETHLEHEM, PA 18080 | $46K |
| BENECARD PRESCRIPTION BENEFIT NONE | Direct payment from the plan; Claims processing Service code 12 | 1200 ROUTE 46 WEST CLINTON, NJ 07013 | $18K |
| CHARLES W. JOHNSTON, PC EIN 23-2077724 NONE | Legal; Direct payment from the plan Service code 29 | 101 ERFORD ROAD, SUITE 302 CAMP HILL, PA 17001 | $13K |
| ALAN ROSS & COMPANY EIN 20-5367494 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 10 HEARTHSTONE COURT SUITE 100 READING, PA 19606 | $12K |
| CBIZ EIN 23-1700844 NONE | Direct payment from the plan; Actuarial Service code 11 | 1845 WALNUT STREET PHILADELPHIA, PA 19103 | $11K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 NONE | Direct payment from the plan; Claims processing Service code 12 | P.O. BOX 64094 BALTIMORE, MD 212644094 | $6K |
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 | 318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 320 | $401K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.