| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSOLIDATED BENEFITS INC3 | — | DEARBORN LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 NONE | Other services; Participant communication; Contract Administrator; Direct payment from the plan; Float revenue; Non-monetary compensation; Claims processing Service code 12 | — | $61K |
| SEGAL CO. EIN 13-1835864 NONE | Direct payment from the plan; Consulting (general); Actuarial Service code 11 | — | $46K |
| MEYER UNKOVIC & SCOTT LLP NONE | Legal; Direct payment from the plan Service code 29 | 535 SMITHFIELD STREET PITTSBURGH, PA 15222 | $35K |
| PATH ADMINISTRATORS EIN 46-1226464 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $18K |
| BENECARD EIN 22-2998772 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $14K |
| FISCHER DORWART, PC EIN 23-2247478 NONE | Accounting (including auditing); Direct payment from the plan 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 | $7K |
| ANDCO CONSULTING NONE | Investment management; Direct payment from the plan Service code 28 | 531 WEST MORSE BLVD WINTER PARK, FL 32789 | $5K |
| WILMINGTON TRUST EIN 16-0538020 NONE | Custodial (securities); Soft dollars commissions; Direct payment from the plan; Float revenue Service code 19 | — | $165 |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 51 | $123K |
| Vision | HIGHMARK BLUE SHIELD | 125 | $20K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 176 | $45K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE CO. | 171 | $502K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 176 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.