No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PEOPLES SECURITY BANK & TRUST EIN 24-0729120 | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $47K |
| PATH ADMINISTRATORS EIN 46-1226464 | Plan Administrator Service code 14 | — | $34K |
| HIGHMARK EIN 23-1294723 | Claims processing Service code 12 | P.O. BOX 890382 CAMP HILL, PA 17089 | $21K |
| MCGRAIL MERKEL QUINN & ASSOCIATES EIN 23-2226550 | Accounting (including auditing) Service code 10 | — | $17K |
| MERANZE & KATZ EIN 23-1496747 | Legal Service code 29 | — | $12K |
| JACOBY DONNER, PC EIN 23-2220388 | Legal Service code 29 | — | $12K |
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 | 412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 60 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF NORTHEASTERN PENNSYLVANIA | 408 | $3.4M |
| Vision | BLUE CROSS OF NORTHEASTERN PENNSYLVANIA - DAVIS | 409 | $35K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 469 | $204K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 469 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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.
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.