| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSOLIDATED BENEFITS INC3 | — | DEARBORN LIFE INSURANCE COMPANY | $6K | $734 | $7K | 15.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 NONE | Participant communication; Other services; Non-monetary compensation; Direct payment from the plan; Float revenue; Contract Administrator; Claims processing Service code 12 | — | $90K |
| SEGAL CO. EIN 13-1835864 NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $43K |
| MEYER UNKOVIC & SCOTT LLP NONE | Legal; Direct payment from the plan Service code 29 | 535 SMITHFIELD STREET SUITE 1300 PITTSBURGH, PA 15222 | $39K |
| PATH ADMINISTRATORS EIN 46-1226464 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $26K |
| BENECARD EIN 22-2998772 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $17K |
| ANDCO CONSULTING NONE | Investment management; Direct payment from the plan Service code 28 | 531 WEST MORSE BLVD WINTER PARK, FL 32789 | $15K |
| 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 | $8K |
| WILMINGTON TRUST EIN 16-0538020 NONE | Soft dollars commissions; Float revenue; Custodial (securities); Direct payment from the plan Service code 19 | — | $431 |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 154 | $117K |
| Vision | HIGHMARK BLUE SHIELD | 150 | $18K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 198 | $43K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE CO. | 193 | $717K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 198 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.