| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSOLIDATED BENEFITS INC3 | — | DEARBORN LIFE INSURANCE COMPANY | $5K | — | $5K | 12.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEGAL CO. EIN 13-1835864 NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | — | $48K |
| FABIAN & BYRN LLC NONE | Contract Administrator; Direct payment from the plan Service code 13 | 425 EAGLE ROCK AVE STE 105 ROSELAND, NJ 07068 | $43K |
| FISCHER DORWART, PC EIN 23-2247478 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $11K |
| MEYER UNKOVIC & SCOTT LLP NONE | Legal; Direct payment from the plan Service code 29 | 535 SMITHFIELD STREET PITTSBURGH, PA 15222 | $9K |
| 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 | Direct payment from the plan; Float revenue; Custodial (securities); Soft dollars commissions Service code 19 | — | $121 |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 48 | $101K |
| Vision | HIGHMARK BLUE SHIELD | 189 | $2.1M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 202 | $41K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 202 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.