| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSOLIDATED BENEFITS INC3 | — | DEARBORN LIFE INSURANCE COMPANY | $6K | — | $6K | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEGAL CO. EIN 13-1835864 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $126K |
| PATH ADMINISTRATORS EIN 46-1226464 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $46K |
| HIGHMARK EIN 23-1294723 NONE | Contract Administrator; Other services; Direct payment from the plan; Participant communication; Claims processing Service code 12 | — | $30K |
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 NONE | Non-monetary compensation; Contract Administrator; Other services; Float revenue; Direct payment from the plan; Claims processing; Participant communication Service code 12 | — | $27K |
| CHARLES JOHNSTON, PC EIN 23-2077724 NONE | Legal; Direct payment from the plan Service code 29 | — | $23K |
| BENECARD EIN 22-2998772 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $16K |
| ANDCO CONSULTING NONE | Investment management; Direct payment from the plan Service code 28 | 531 WEST MORSE BLVD WINTER PARK, FL 32789 | $14K |
| FISCHER DORWART, PC EIN 23-2247478 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $10K |
| KANG HAGGERTY & FETBROYT LLC NONE | Legal; Direct payment from the plan Service code 29 | 123 S. BROAD ST, SUITE 1670 PHILADELPHIA, PA 19109 | $9K |
| WILMINGTON TRUST EIN 16-0538020 NONE | Soft dollars commissions; Direct payment from the plan; Custodial (securities); Float revenue Service code 19 | — | $3K |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HIGHMARK BLUE SHIELD | 204 | $25K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 204 | $46K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE CO. | 204 | $711K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 204 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.