No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FABIAN & BYRN LLC NONE | Contract Administrator; Direct payment from the plan Service code 13 | 425 EAGLE ROCK AVE STE 105 ROSELAND, NJ 07068 | $49K |
| SEGAL CO. EIN 13-1835864 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $26K |
| THE HORTON GROUP NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | $21K |
| KANG HAGGERTY NONE | Legal; Direct payment from the plan Service code 29 | 123 S. BROAD ST SUITE 1950 PHILADELPHIA, PA 19109 | $12K |
| 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 |
| LOGAN, METTLEY & NEWCOMER, PLC NONE | Legal; Direct payment from the plan Service code 29 | 2426 HYLAND STREET FERNDALE, MI 48220 | $6K |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 41 | $131K |
| Vision | HIGHMARK BLUE SHIELD | 201 | $3.5M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 211 | $42K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 211 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.